CALL OR TEXT (808) 936-2202
DENNIS@SADDLEROADMORTGAGE.COM
HONORING THOSE WHO SERVE OUR ISLANDS WITH ALOHA
COMMUNITY HEROES REWARDS PROGRAM
At Saddle Road Mortgage, we believe the people who serve our community deserve something extra. That’s why we created the Community Heroes Rewards Program — a special initiative designed to give back to Hawaii’s everyday heroes who dedicate their lives to helping others.
HONORING THOSE WHO SERVE OUR ISLANDS WITH ALOHA
COMMUNITY HEROES REWARDS PROGRAM
At Saddle Road Mortgage, we believe the people who serve our community deserve something extra. That’s why we created the Community Heroes Rewards Program — a special initiative designed to give back to Hawaii’s everyday heroes who dedicate their lives to helping others.
- PROUDLY SERVING OUR LOCAL COMMUNITY SINCE 1993 -
WHO QUALIFIES AS A COMMUNITY HERO
This program is available to those who
serve our community with heart including:
TEACHERS & EDUCATORS
HEALTHCARE PROFESSIONALS
FIRST
RESPONDERS
LAW ENFORCEMENT OFFICERS
ACTIVE DUTY MILITARY & VETERANS
PUBLIC SERVANTS
& GOVERNMENT
WORKERS
NONPROFIT
& COMMUNITY
WORKERS
YOUTH
SPORTS
COACHES
GIVING BACK TO OUR HEROES
MAHALO FOR YOUR SERVICE TO THE COMMUNITY
Qualifying heroes can receive:
- Closing cost credits starting at $750
- Personalized home financing guidance
- Local support from a team that cares about Hawaii’s people
(Savings vary by loan type and eligibility. Contact us to learn more.)
SAVE TIME & MONEY
GET FINANCING
FEEL CONFIDENT
LIFETIME SUPPORT
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
WE CARE BECAUSE YOU CARE
WHY WE CREATED THE COMMUNITY HEROES PROGRAM
We live and work in this community — our neighbors are nurses, teachers, firefighters, and veterans. You show up for others every day. Now it’s our turn to show up for you.
At Saddle Road Mortgage, we believe in giving back to the people who keep our island strong. The Community Heroes Rewards Program is our small way of saying mahalo for all you do.
FOR OUR HEROES
GET STARTED TODAY
Ready to learn more or find out how much you could save?
Schedule a free consultation with our local mortgage experts.
CALL OR TEXT: (808)936-2202
EMAIL: DENNIS@SADDLEROADMORTGAGE.COM
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.
CONTACT INFO
100 Pauahi St suite 208, Hilo Hawaii 96720
(808) 936-2202
NMLS ID #369291
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.
Copyright 2026. All rights reserved. Dennis M Santiago NMLS #369291 | Saddle Road Mortgage NMLS # 2850012
Equal Housing Opportunity | Equal Housing Lender
Saddle Road Mortgage Powered by North West Funding Group | NMLS Consumer Access #101770
All loans subject to credit and property approval.
© Copyright Saddle Road Mortgage. 2025. All rights reserved.