CALL OR TEXT (808) 936-2202
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.
- PROUDLY SERVING OUR LOCAL COMMUNITY SINCE 1993 -
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.
SAVE TIME & MONEY
GET FINANCING
FEEL CONFIDENT
LIFETIME SUPPORT
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 easy, 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 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.
FOR OUR HEROES
PROUD TO SERVE THOSE WHO'VE SERVED: YOUR CERTIFIED HAWAII VA LOAN SPECIALIST
As a Certified VA Lender, we’re honored to help our nation’s veterans, active-duty service members, and eligible military spouses achieve the dream of homeownership. VA loans are a powerful benefit you've earned through your service — and we’re here to make the process smooth, simple, and stress-free.
Whether you're buying your first home, refinancing, or relocating, our team understands the unique needs of military families. We’ll guide you through every step of the VA loan process with clarity, care, and a deep respect for your service.
Why Choose Us as Your VA Lender?
Certified and experienced in VA loan guidelines
$0 down payment options available
No private mortgage insurance (PMI) required
Competitive interest rates
Personalized support from VA loan specialists who truly care
Let us help you use your well-earned benefits to build your future — one home at a time. Ready to get started?
Contact us today to see how much home you can afford with your VA benefits.
THE TRUTH OF THE MATTER
BUYING OR REFINANCING IN HAWAI'I ISN'T ALWAYS EASY
Mainland lenders don’t understand the Hawai'i 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.
3 EASY STEPS
HOW IT WORKS
STEP 1:
BOOK A CALL
Share your needs and financial goals with our friendly local experts
STEP 2:
GET YOUR ROADMAP
Together we'll create a step-by-step plan to get you pre-approved for a home loan
STEP 3:
GO SHOPPING
Get pre-approved and start shopping for your new home
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.
Dennis is 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.
Raised on the Big Island, Dennis is a devoted husband, father and grandfather whose hobbies include raising cattle on his ranch in Mountain View, powerlifting, watching football and taking his grandchildren to Disneyland.
The Real Estate Industry Is Confusing
WE EDUCATE, MOTIVATE & EMPOWER YOU TO WIN
YOUR DREAM COME TRUE
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.”
CONTACT INFO
100 Pauahi Street STE 208, Hilo Hawaii 96720
(808) 936-2202
NMLS ID #369291
LICENSES
Saddle Road Mortgage | NMLS #369291
Canopy Mortgage, LLC | NMLS #1359687
ABOUT US
Saddle Road Mortgage is a trusted local mortgage lender based in Hilo, Hawaiʻi. We specialize in first-time home buyer loans, refinancing, and mortgage approvals for properties in lava zones 1 and 2. With over 30 years of experience serving the Big Island—including Kona, Puna, Waimea, Volcano, and beyond—we make homeownership in Hawaiʻi possible.
Powered by Canopy Mortgage, LLC | NMLS #1359687
Licensed to originate mortgage loans in the state of Hawaii. Canopy Mortgage, LLC is a mortgage lender licensed by the Hawaii Division of Financial Institutions.
We are an Equal Housing Lender. We do not discriminate based on race, color, religion, national origin, sex, marital status, age, or income from public assistance.
Disclaimer: This is not a commitment to lend. All loan programs, terms, and conditions are subject to change without notice.
Not all applicants will qualify. Saddle Road Mortgage operates under Canopy Mortgage, LLC. NMLS Consumer Access: www.nmlsconsumeraccess.org
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