88 Piikoi Street Suite 1206
Honolulu, HI 96814
(808) 545-2212
Fax (808) 568-0181


Island Home

We Work Hard For You    

In 1987, Nelson Totoki, as President and Chief Executive Officer of United Mortgage, pioneered a major change to the mortgage brokerage industry in Hawaii by establishing mortgage broker agreements with Mainland banks. Mr. Totoki recognized that the mortgage banks in the Mainland had lower interest rates and offered a wider array of loan programs.  Also, with the ability to broker loans to a multitude of mortgage banks would give the borrowers of Hawaii, a better possibly to getting their loan request approved. Mr. Totoki looked for other ways that his borrowers could save money by seeking discounts on escrow fees and title insurance fees from Escrow and Title companies.

After the sale of United Mortgage, Mr. Totoki formed Legacy Mortgage, Inc. in 1993, so that he could continue his efforts to offer lower interest rates, a wider array of loan programs and a multitude of lenders to satisfy the financial needs for the people of Hawaii. Legacy Mortgage, Inc. continues to offer these services without any additional broker fees. Legacy Mortgage, Inc. is compensated by the lender when the loan is brokered on a wholesale basis.

Legacy Mortgage, Inc. offers custom solutions for every residential and commercial real estate financing situation. Whatever your needs, we can tailor a loan that’s right for you.

Consider these advantages that Legacy Mortgage, Inc. offers:

  • Lowest interest rates from a network of local and mainland banks
  • No mortgage broker fees
  • Discounts on escrow fees and title insurance for refinances only
  • Prompt processing time
  • Loans up to $4 million
  • VA & FHA loans
  • Construction loans
  • Reverse Mortgages
  • Fixed rate second mortgages
  • Home Equity Lines of Credit
  • Vacant Land loans
  • Commercial Real Estate Loans
  • Prompt processing time

Contact our experienced loan officers who will assist you with consultation and prequalification without cost or obligation.

Legacy Mortgage
"Bringing Choice to the Borrower"