Aloha ! I’m Spencer, a passionate ocean enthusiast and former military professional with over 12 years of honorable active-duty service. As your Mortgage Broker, with access to a diverse network of lenders and financial institutions, I will tailor a mortgage to fit your needs. Whether you’re considering VA, Conventional, FHA, USDA or any other unique situation. I am committed to securing the most competitive rate possible. Allow me to guide you through a seamless and stress-free mortgage journey, not only meeting your needs but earning your business. -Spencer