SECURE YOUR HAWAII HOME LOAN—EVEN IN LAVA ZONES 1 & 2

BIG ISLAND MORTGAGE SOLUTIONS WITH HEART & LOCAL EXPERTISE

Located in Hilo, Hawai'i, we help local families get the mortgage approval they need—whether it’s buying your first home or refinancing to Invest And save money.

SAVE TIME & MONEY

GET FINANCING

FEEL CONFIDENT

LIFETIME SUPPORT

30+

Years of

Experience

WHO WE ARE

SADDLE ROAD MORTGAGE UNDERSTANDS THE BIG ISLAND

We have over 30 years of experience in Hawai'i real estate and lending. With Saddle Road Mortgage you'll receive local insight you won’t find anywhere else, we help you:

🏡 Create a Roadmap to Purchase Your First Home, Investment Property and Beyond

🌋 Get Local Expertise for Lava Zones 1 & 2

💰 Refinance & Consolidate Debt with Ease

🧭 Simple, Stress-Free Home Loan Guidance

You're not just a number—we treat you like family.

Good Credit. Bad Credit. Zero Judgement.

YOUR DREAM IS POSSIBLE WITH OUR MORTGAGE SOLUTIONS

WHY CHOOSE US

WHAT WE OFFER

First-Time Homebuyer Loans

Guiding you through every step of the process with loan programs that require as little as 3.5% down—and even 0% for those who qualify.

Refinancing & Debt Consolidation

Lower your monthly payment, access home equity, or roll high-interest debt into one manageable mortgage payment.

Local Expertise for Big Island Properties

We understand the unique requirements of Lava Zones 1 & 2—because we live here too. Get approvals faster with our expertise.

Loan Options & Education For Everyone

We help qualified buyers tap into VA and USDA loan benefits, with zero down and flexible terms. No matter your credit, we can help.

WHO WE ARE

MEET SADDLE ROAD MORTGAGE FOUNDER: DENNIS SANTIAGO

Known as the "Miracle Mortgage Man," Dennis has 30+ Years of Experience in Hawaiʻi real estate and lending. With extensive experience in the mortgage industry since 1993, he has a unique ability to apply his knowledge to your specific needs, leading to higher success rates than competitors.

He's passionate about the mortgage industry because he believes home ownership is possible for everyone. No matter your financial situation, all you need is the right roadmap to make your dream a reality.

Born and raised in Hilo, Dennis is a devoted husband, father and grandfather whose hobbies include raising cattle on his ranch in Pauoa, powerlifting, watching football and taking his grandchildren to Disneyland.

THE TRUTH OF THE MATTER

BUYING OR REFINANCING IN HAWAI'I ISN'T ALWAYS EASY

Mainland lenders don’t understand our market. And navigating lava zone restrictions can feel impossible.

You might be wondering:

“Can I even qualify for a home in lava zone 1 or 2?”

“What if I don’t have perfect credit?”

“How do I get started as a first-time buyer?”

You shouldn’t have to figure it out alone.

how it works

PARTNERS IN YOUR HOME BUYING SUCCESS STORY

BOOK A CALL

Discuss your needs and financial goals with our local experts

GET YOUR ROADMAP

Together we'll create a step-by-step plan to get you pre-approved for a home loan

GO SHOPPING FOR YOUR HOME

Finalize your mortgage and receive the keys to your new home

The Real Estate Industry Is Confusing

WE EDUCATE, MOTIVATE & EMPOWER YOU TO WIN

CLIENT Testimonials

DID YOU KNOW

YOU DON'T NEED 20% DOWN TO BUY A HOME

That’s one of the biggest myths in real estate. In fact, many loan programs—like FHA, VA, and USDA—offer low or even zero down payment options for qualified buyers.

At Saddle Road Mortgage, we specialize in helping first-time homebuyers on the Big Island understand their options and get approved—even if they’re just starting out.

Let us help you turn “someday” into “today.”