Island Living Made Possible

Apply Now

Meet the PacIsle Team

  • Hoสปolaea Andrade

    Owner | NMLS# 338003

  • Niki Hubbard

    Loan Officer | NMLS# 1080518

  • Janai Antoque-Freitas

    Processing Manager

  • Cindy Stone

    Loan Officer | NMLS# 310319

  • Kaela Child

    Loan Officer | NMLS# 2043478

Our Team

The Big Island Referral Network (BIRN) is proud to host our First Annual Charity Golf Tournament on September 24, 2026; a one-of-a-kind community event bringing together local businesses, community leaders, and golf enthusiasts to raise funds for three impactful Big Island nonprofit organizations: Recycle Hawaii, Hawaii Island Fencing Association, and Hawaii Wellness Mobility Network.

Big Island Referral Network Golf Tournament Fundraiser!

Register Here

We Made Best Of East Hawaii 2026!

Your support means the world to us and we are incredibly honored to receive this recognition a third year in a row! Here's to many more years of growth, success, and shared accomplishments. Thank you once again for believing in us and being a part of our journey!

What Our Customer Have to Say

  • I'm a return customer and Ho'o and her team have always given me personal, fast and accurate service and advice. I'm glad to have them on my side.

    Daniel A K Mountain View, HI

  • There were some challenges that came up, but Niki worked hard to overcome them all and we were so pleased to finally get the keys to our new home. Mahalo Niki

    Aaron W

  • The services and treatment I received from Lohea were excellent in every way. I was thoroughly impressed with her professionalism, attention to detail, and the overall experience she provided throughout the mortgage process.

    Thomas K M

  • Hoโ€™o was very attentive and looked out for my need. Great service. I do believe she needs however team to support her at the same caliber as her standard. Increasing her teams bench strength would be something Iโ€™d be looking for at my next request to Hoโ€™o (next project)

    Haeri R Kailua Kona, HI

  • "Niki was very informative and communicative throughout our entire transaction. We really appreciate her professionalism in helping us throughout the process of our loan."

    Megan M Scottsdale, AZ

  • It is such a joy working with Lohea. Her level of professionalism, coupled with her knowledge of the local market, is key to the exceptional services she provides to her clients. She goes above and beyond, and will find the right lending program to fit the needs of buyers. I look forward to every opportunity to collaborate with Lohea. Highly recommend.

    Loni M Ocean View, HI

  • Hoโ€™o is very knowledgeable and very personable. Janai kept us updated and informed throughout process

    Nicholas R A Kamuela, HI

  • Niki has made the process of buying our first home as smooth and timely as possible. We've overcome the obstacles, and Niki went above and beyond to make things happen. I appreciate her easygoing personality, as she made everything as comfortable as any first-time home buyer can ask for. It was an overall wonderful experience, and I'd definitely consider using her services and expertise for future lending. Highly recommend.

    Stephanie M

  • Lohea is consistently responsive, knowledgeable, professional, and customer-oriented. Everyone should be so fortunate to have someone like her.

    Randi V M Kailua Kona, HI

  • Hoโ€™o and her team were very helpful. They answered all our questions and made the process easy.

    Richard R O Waikoloa, HI

  • Niki is a personable employee who went above and beyond to help me with funding my first home. She is down-to-earth and comfortable to talk to.

    Stephanie J M Pahoa, HI

  • As first time home buyers, We are so grateful that Lohea was there to guide us the whole way. She communicated with us thoroughly and made sure we understood what was on the fee sheets and other documents. She was available to answer our phone calls/texts 24/7. We cannot thank her enough for her guidance and knowledge that she has provided us. She is overall outstanding ! 100% recommend working with Lohea :)

    Franklin B O Volcano, HI

Mortgage Calculator