Financing Paradise, One Home at a Time
Smart mortgage solutions for homes, investments, and refinances across Hawai‘i
Financing Paradise, One Home at a Time
Smart mortgage solutions for homes, investments, and refinances across Hawai‘i
Herb of Hawaii Mortgages
Expert Mortgage Solutions
At Herb of Hawaii Mortgages, we specialize in providing tailored mortgage solutions that cater to your unique financial needs. Our team of experts is dedicated to guiding you through every step of the mortgage process, ensuring a smooth and stress-free experience.
About
Herbert W Lork
Aloha! I’m Herb Lork, a licensed Mortgage Loan Officer based on the beautiful Kohala Coast of the Big Island. My greatest joy in this work is simple: seeing the smiles and relief on people’s faces when they get the keys to their dream home. That moment never gets old — and it’s why I do what I do.
A Passion for People & Hawai‘i
My focus is
Aloha! I’m Herb Lork, a licensed Mortgage Loan Officer based on the beautiful Kohala Coast of the Big Island. My greatest joy in this work is simple: seeing the smiles and relief on people’s faces when they get the keys to their dream home. That moment never gets old — and it’s why I do what I do.
A Passion for People & Hawai‘i
My focus is helping buyers and investors secure homes across the islands with clarity, confidence, and smart lending strategies. Hawai‘i is a unique market, and I take pride in being a steady hand through the process — ensuring my clients always feel informed, supported, and empowered.
A Journey with Many Chapters
My story began in the U.S. Navy, stationed in Yokosuka, Japan, where I learned discipline, responsibility, and the value of service. After my time in the Navy, I pursued education and explored my artistic side, eventually working as a creative writer and contributor with HBO and Saturday Night Live, where my material was featured in multiple skits and productions.
From there, I built a 20-year career in enterprise sales and business development, spanning fintech, AI, and marketing technology — always focused on building relationships, closing complex deals, and creating value.
Along the way, I also embraced my lifelong love of the ocean, earning a U.S. Coast Guard 200-ton Captain’s License and working as a marine lender and yacht broker, representing ACY Yachts, Fountaine Pajot, and Dufour. Whether navigating seas or navigating loans, I bring the same approach: responsibility, clarity, and respect for every journey.
Home & Marine Financing, Together
Today, I bridge my passions — helping people finance both homes and yachts. Whether it’s a family buying their first condo in Waikoloa, an investor purchasing a luxury estate in Kona, or a client financing a sailing catamaran, my role is the same: to guide with expertise and aloha.
Let’s Connect
This isn’t just a career for me — it’s a calling. Every client’s story is unique, and I’d love to be part of yours.
From Pre-Approval to Keys in Hand: The Kickoff Advantage
In Hawaii’s competitive housing market, your offer needs to start strong. That’s why I created The Kickoff Advantage—a proven 4-step system that gives you and your agent the confidence of an approval that’s as good as cash.
Here’s how it works:
1. Full File Review Up Front
I go beyond basic pre-quals. I collect documentation, run your numbers against underwriting standards, and build a complete file before you shop—so you know your approval is rock solid.
2. Pre-Approvals That Compete Like Cash
With your loan thoroughly vetted, sellers and listing agents see your offer as strong and credible. That edge helps you rise above the competition.
3. Clear, Consistent Communication
I update you and your agent at every step, keeping everyone on the same page. That confidence makes the process smooth and stress-free for all parties.
4. Success From the Start
I anticipate underwriting hurdles and solve them early. That way, when you’re ready to make an offer, your file is clean, strong, and built to win.
Why It Matters
In today’s tight Hawaii market, certainty and speed win offers. The Kickoff Advantage means your offer stands out, your agent looks good, and you’re positioned for success from day one.
Testimonials
“Herb, we truly appreciate your dedication, clarity, and steady guidance. You gave us confidence in every step of the process and ensured we felt secure in obtaining our loan.”
Kohala Ranch
“Thank you, Herb of Hawaii, for the clear and confident pre-approval — and for the heart you put into helping us get in the running for our new home!”
Gina L
“Thank you, Herb, for your tenacity in keeping us in the loop every step of the way and guiding us smoothly through the loan process.”
Nolan G.
“Herb, thank you so much for the solid pre-approval, your attention to detail, and for meeting with us on such short notice. You made sure we were fully prepared and positioned to compete for our new home.”
Stephen B. – Waikoloa Village
“Herb, thank you for your dedication, clarity, and confidence in guiding us through the process. You made the complex feel straightforward and helped us structure and secure the right financing for our investment property.”
Adele-Mauna Lani Point/One Ocean