Niki Hubbard

Loan Officer | NMLS# 1080518

Niki was born and raised in the tiny town of Laupahoehoe on the Big Island of Hawaii and is lucky to be able to raise her 3 children near her home town! She is also a proud Colorado State Alumni, class of 2004. Niki has worked in the mortgage industry since 2010 and loves helping her customers meet their home buying goals. From construction to purchase to refinance, Niki has the skill set to help clients with all financial backgrounds.

In her (limited) free time, Niki is heavily involved in the community as she enjoys volunteering at her children’s school to make sure all the children in the rural area have as many opportunities as possible. She also conducts Laupahoehoe Music Fest, is BNI Hilo Innovators chapter president, and loves all the connections she makes as a business partner at Hawaii Island Realtor Board. Niki also has a love for sports, she is a swimmer and enjoys being near the water all the time. She is energetic, as you would need to be with 3 beautiful children, and carries over that energy into every transaction!

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Energetic

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Passionate

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100% Committed

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Energetic • Passionate • 100% Committed •

  • "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

  • "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, Arizona

  • "Niki is very knowledgeable and great at her job which made us feel secure that everything would work out."

    Erin S

  • "Niki was on top of the transaction all the way."

    David S Pahoa, Hawaii

  • "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 Pahoa, Hawaii

  • "Niki was patient and understanding during this stressful process. She was easy to reach and answered all my questions in a timely manner."

    Cheryl W Pahoa, Hawaii

  • "Exceptional service. Good communication, friendly, knowledgeable and full of Aloha. I was very comfortable working with Shirley and Nikki. My experience was one I will never forget. Thank you very much for walking me through every step and changing my life. I am grateful."

    Carrie K H Hilo, Hawaii

  • "She's great and I'm very satisfied with it."

    Josefina B G Keaau, Hawaii

  • "Niki always kept us updated and even though our schedules were hard to work around she always worked it out. She had lots of patience with our many questions and was always kind. The portal was nice to be able to upload needed documents when we had time."

    Shantiel K Pahoa, Hawaii

  • "Niki and her team kept us informed in every step of our new home process."

    Marcia K F Volcano, Hawaii

  • "Niki is very knowledgeable, honest and helpful! Very easy to talk to and explains everything so it’s understandable."

    Donna M D Mountain View, Hawaii

  • "She's easy to talk to and kind."

    Samuel W M Pahoa, Hawaii

  • "Niki was great in communicating throughout the process. I had a lot of questions and she took the time to respond thoughtfully to all of them. We’re first time homebuyers and Niki helped make it a smooth process."

    Ruby E R Pahoa, Hawaii

  • "Niki was the most communicative, friendly and efficient loan officer we’ve ever worked with. She made our home buying process feel seamless. We appreciate her and the incredible job she did for us."

    Carly D Honokaa, Hawaii

  • "The process was transparent. Niki was clear with all of the requirements and requests, timely with her responses, and readily available to answer questions and address concerns."

    Mark D Honokaa, Hawaii

  • "It is always an absolute pleasure working with Niki! I would not hesitate to refer her to my buyer clients as she is professional and is great with communication."

    Hilary M Honokaa, Hawaii

  • "She gives professional service with aloha. She is very knowledgeable."

    Theresa D Pahoa, Hawaii

  • "Nicolette is very efficient and prompt. She knows her business and is a pleasure to work with."

    Jerry H

  • "Nicolette was very helpful with our process on buying the house, gave us many pointers and was always there to answer questions for us. Thank you."

    Marisa A Pahoa, Hawaii

  • "Niki was very helpful, prompt, and courteous of our situations. As a first time home buyer she was also patient and understanding of our lack of knowledge regarding the process and provided details to us in a way we could understand. She will be an asset to any team she is on and I will recommend her whole heartedly to any new home buyers that have not gone through the process. Thank you Niki!"

    Colby N B C Hilo, Hawaii

  • "Niki was very prompt in answering questions. She was patient & explained things so that they were understandable for first time home buyers. She also followed up on our concerns in a timely manner."

    Alexis C Mountain View, Hawaii

  • "My experience with Niki was excellent and she was very understanding, patient and an excellent communicator; always answering my emails in a prompt & timely manner. I would not hesitate to use her services again in the future and highly recommend her to friends & family. Mahalo to her for all her hard work for us!"

    Kali M L Mountain View, Hawaii

  • "Niki was very efficient in communicating and letting us know what was required, what was coming up next, and how long everything would take."

    Porsche L Mountain View, Hawaii

  • "Niki was great to work with, and the loan approval process went smoothly. I'd recommend her as a loan officer for your home on the Big Island!"

    Tyler K C Kailua Kona, Hawaii

  • "Was a pleasure to work with Nikki. She is a hard worker and tries her best to help her clients."

    Gina H C Mountain View, HI

  • "Niki was very helpful throughout this whole experience. I would highly recommend her to anyone about to embark on the home buying journey. Mahalo Niki!"

    Da H H

  • "Niki was very helpful and always available to answer any questions we had. She walked us through every step, which made this nerve wracking experience very smooth. I am glad we had Niki at our side as we achieved this milestone in our life. Mahalo Niki!"

    Leo K Mountain View, Hawaii

  • "Niki answered all of our questions promptly and provided details so that we were able to make informed decisions. We did not feel pushed or rushed, which was great!"

    Ambar G V Kamuela, Hawaii

  • "Niki communicated every step of the process and made sound recommendations. She answered all of our questions. It was wonderful working with her."

    Julian N G Kamuela, Hawaii

  • "Nicolette was prompt on her communication. She guided my clients and provided them excellent service."

    Taira C Pahoa, Hawaii

  • "It has been an absolute pleasure working with Nicolette Hubbard. Never have I herd of a mortgage applicant refer to there experience as stress free but from my experience Niki made this experience so smooth it was literally stress free. Her communications were always so clear and precise and timely that we were able to close in just over a month!! She is a WIZARD in her field as a loan officer and I highly recommend a raise. I am so great full to Niki and the whole vip team that words don’t do it Júdice."

    Jasper S V Pahoa, Hawaii

  • "Nikki's level of knowledge and customer Care we're above and beyond thanks so much."

    Steven J Z Pahoa, Hawaii

  • "Everything about your organization made me feel safe during a very stressful time. Thank you so very much!!"

    Laura M S Paauilo, Hawaii

  • "Niki was very professional and personable. She answered any questions we had and gave us great advice for our situation. We knew we could trust her as first time home buyers."

    Jessica M P Hilo, Hawaii

  • "Niki answered all of our questions and made the loan process very easy"

    Riley K D Hilo, Hawaii

  • "Niki was fast and efficient!"

    Josephine M H Laupahoehoe, Hawaii

  • "Niki took on my loan with the urgency of knowing the deal on our home was in jeopardy. This due to our previous loan company,basically let’s just say in a civil way, showing their inexperience(don’t know what they’re doing). She was referred to us by our great realtor Wailana. Mahalo Nui Loa Wailana and Niki for saving the day….P.S. don’t forget. We’ll be looking again in a year or so and I know a pretty good loan officer"

    Garette K K Pahoa, Hawaii

  • "Niki saved the day and took over our transaction mid escrow when another big name lender was unable to complete it. She was able to get the appraisal transferred, navigate through errors on the report and get us to the finish line in less than 3 weeks to complete a 35 day escrow! And that's why I recommend Niki; she's a hustler who gets it done with ease :) Mahalo Niki!!!"

    Wailana R H Pahoa, Hawaii

  • "Niki was very helpful by explaining everything in detail so that there were no surprises. She was readily available by email, phone, or text for all of my questions. She also provided great advice on how and when to do things in the future such as a refinance or paying down my loan. I would definitely recommend anyone to work with Niki."

    Daniel T E Keaau, Hawaii

  • "Niki made our first experience as first time buyers a great one. It was a lot to process but with her guidance, she made it easy and possible! Very quick to answer our questions and always helpful. Definitely looking forward to working with her again in the future."

    Veronica H L

    Kamuela, Hawaii

  • "Niki is great, easy to talk to, knowledgeable, and communicates often."

    McKenzie R T Keaau, Hawaii

  • "Niki really advocated for us and made this process as painless as possible. She kept us up-to-date and went above and beyond to wrap things up for us when we were off island for the actual close date."

    Olivia S Pahoa, Hawaii

  • "Niki was so very helpful in all ways! She was quick to answer any and all questions I had. She kept me informed during each step of the process. She even answered questions before I asked them. I can't express enough how thankful I am to have worked with Niki. I have never had an experience like this when buying a home. Previous loan officers I have had did not give any of the care and considerations that Niki did. I will definitely refer her to anyone I know that is searching for a loan officer...and I will definitely contact her first when I refi (if/ when rates drop). And I will definitely contact her if I ever make another home purchase in the future! Thank you Niki!! You are the BEST!!"

    Cristal L L Pahoa, Hawaii

  • "Niki is always pleasant and was very quick to respond to me and my client. She took the time to explain complicated questions to my client who was new to Hawaii and to the lending process. I have nothing but good things to say about Niki and look forward to working with her again in the future."

    Shawna H Pahoa, Hawaii

  • "Niki communicated frequently and clearly to both myself and the client. We appreciated out she provided guidance throughout the process and responded to our questions and requests promptly."

    Brendan A Volcano, Hawaii

  • "great communication, always up to date on anything that chances, superb!"

    Arthur A Volcano, Hawaii

  • "Seamless transaction with amazing communication."

    Sandra S C Pahoa, Hawaii

  • "Niki was quick to respond to our questions and provided excellent customer service."

    Aaron K A Hilo, Hawaii

  • "Niki is my choice of mortgage broker, she is easy to work with: approachable, accommodating, and honest."

    Nerie M P Pahoa, Hawaii

  • "Niki is AMAZING. She is deeply knowledgeable, experienced, transparent, and extremely communicative throughout the entire process. This process can be daunting, but Niki truly made this experience really seamless. She answered all of my questions thoroughly and timely, even the ones that might have been silly to ask. There was never any judgement, only support. I appreciate Niki so much!"

    Jessica P K Hilo, Hawaii

  • "Nicolette was truly professional, with a calm and patient manner. It was a pleasure working with her in many ways!"

    Lauren S K Ookala, Hawaii

  • "Niki is absolutely awesome! She's super easy to talk with, always able and willing to answer questions and super responsive. Highly recommend!"

    Crislyn H Ookala, Hawaii

  • "Nicolette was always professional and calmly guided us through the process every step of the way."

    Kirk D M Ookala, Hawaii

  • "Niki is always on top of things, understands what's important to buyers and their realtors."

    Jeff C Papaikou, Hawaii

  • "Niki is responsive and knowledgeable. She looks out for her clients and keeps in contact with everyone. She is transparent and communicative ensuring everyone knows what is happening on her side of the transaction."

    Loki V Keaau, Hawaii

  • "You always responded and explained to what I can understand terms. Very helpful and informative."

    Charlene T L Keaau, Hawaii

  • "I'm a realtor and have worked with Niki several times to help my clients get a mortgage. Niki is my favorite lender to work with on the Big Island. She is always kind, polite, professional, organized and on it ! She works hard and really cares. Thank you Niki for being so awesome ! I send many clients her way : )"

    Rebecca C Pahoa, Hawaii

  • "Niki was always available when I had any questions. She was a pleasure to work with and I would gladly refer folks her way in the future 😍 Mahalo!"

    Erin H Ocean View, Hawaii

  • "Niki and her team really fought on our behalf and followed through to the end to make purchasing our first home a reality!"

    David E K Laupahoehoe, Hawaii

  • "Niki was able to get my client a better rate than expected. Always appreciate her looking out for our clients financial interest."

    Wailana R H Hilo, Hawaii

  • "Worked really hard to quickly get us our preapproval! and communicated with us alot throughout our first homebuying process!"

    Kylie W Pahoa, Hawaii

  • "Nicolette has always given us the best experience is every way. This is our second home buying with her, Always prompt, answers any questions at any time, always there when we needed her. She got us the best rate and even found a discount. She is a friendly trusted professional and made our experience very pleasant."

    Frederick D S Waikoloa, Hawaii

  • "Aloha Niki, Great to finally have a transaction with you. I appreciate all your efforts and look forward to working together again in the near future."

    Jen M Waikoloa, Hawaii

  • "Professional, knowledgeable, great advocacy, friendly!"

    Amy K O Waikoloa, Hawaii

  • "Nikki and her team are the best at what they do! This construction loan process was long and extremely challenging at times, but they were there to guide us every step of the way. I am so thankful to be working with a group of knowledgeable lenders that know exactly what they are doing. I was always kept informed about my loan and felt extremely comfortable communicating with my lender at all times. Would 1,000% recommend Nikki and Shirley to anyone looking to finance a property. Thank you so much for helping us make this dream of ours come true! …..The De Rego ‘Ohana…."

    Hanalei D R

  • "Thank you Niki for everything! You always answered our questions and always made sure we understood everything."

    Kryszia L C P Waikoloa, Hawaii

  • "Niki is easily the best Loan Officer I've ever worked with. Very open and kept us updated the whole time. I will refer friends and family to her"

    Kaiana E N Keaau, Hawaii

  • "Niki understood and helped with some critical deadlines that not only helped my buyers accomplish their purchase, but also helped us close 2 weeks early. A very smooth transaction that had potential for several pain points -- none of it slowing us down at all. Great work, Niki! Thank you!"

    Jeff C Pahoa, Hawaii

  • "Without Niki's calm and clear communication with us every step of the way through the loan process, we would've pulled out of the purchase of this house and bolted! She was instrumental in make sure that the loan process was easy to understand and thorough, which we really needed since the seller of the property was a wildcard. We have no intention of ever leaving our new home, but if we do, you better believe we'll be looking for Niki's help with a mortgage loan!"

    Maricar G V Pahoa, Hawaii

  • "Niki was always quick to respond to my (many) inquiries, and she was always positive, even when I was not. We feel tremendously lucky to have had her as our loan officer."

    Andrew W B Pahoa, Hawaii

  • "Niki knows her business inside and out which makes her more proactive than others. Great at staying in touch and communicating with all parties."

    Wailana H Mountain View, Hawaii

  • "Niki is the best to work with as she explains every detail and works with you every step of the way. Love doing business with her!"

    Kristina T

  • "Niki is wonderful to work with, communicative and anticipates hurdles before they become issues. She is knowledgeable and patient with a process that can sometimes be challenging! She has a heart for her community and is fully engaged in her business, what more could you ask for! Mahalo Niki!"

    Whitney H C Hilo, Hawaii

  • "Niki was informative and helpful in getting our mortgage approved and in place in time for an early closing."

    Samuel C B Hilo, Hawaii

  • "She explained everything that needed to be heard, she went above and beyond to get us what we need to qualify for our loan. Fast work as well & never made me wait, response was fast as well. Nikki is the best!"

    Andrea M W Pahoa, Hawaii

  • "The communication was very excellent, and the way Nicolette kept us informed every step of the way."

    Kaikaikaokamakanaoke W Pahoa, Hawaii

  • "As always Niki is great. Keeps in-touch on the status as the loan process progresses, or if there should be anything that pops up that needs attention. Highly recommend, and enjoy working with her!"

    Tessie F Pahoa, Hawaii

  • "Nikki was very professional and prompt. Any questions , phone calls , text messages were answered on a timely manner. My experience of purchasing my new home thru VIP mortgage made it a pleasant experience."

    Ronnovan L R Pahoa, Hawaii

  • "Niki was amazing! She kept me informed through the entire process and responded right away when I had questions. I would highly recommend her to anyone!"

    Jonathan H Kailua Kona, Hawaii

  • "Always such a pleasure working with Niki! My client was really stuck in a pinch when we first contacted Niki, she was quick to respond and gave my client his options and guided us through another smooth and seamless transition!"

    Crislyn H Kailua Kona, Hawaii

  • "Great communication and very helpful along the way of buying process."

    Tyler B Pahoa, Hawaii

  • "Niki was great. She worked with me for a year and a half and always answered my questions promptly."

    Amy N M Keaau, Hawaii

  • "Niki kept us informed at every step. She helped us navigate through the whole process, reminded us of documents we needed to provide and sign, and kept in close contact with our real estate agent and the escrow company."

    Barbara O K Naalehu, Hawaii

  • "New construction, Niki kept the loan process all together for the buyers who were very nervous due to the time delays."

    Linda W Naalehu, Hawaii

  • "Nicolette went over and beyond to make this happen. It was a lot of work but she definitely made it possible."

    Joseph J A Pahoa, Hawaii

  • "Super communicative and straight forward. No added stress to a stressful situation. MAHALO!!"

    Martha R D Papaikou, Hawaii

  • "From the initial inquiry Nikki gave me quick responses. I was kept informed all through the process. She or the team were there to assist and answer any questions and I could do it all from home."

    Linda K R Pahoa, Hawaii

  • "Niki's understanding of the industry, timing and her excellent communication! She responds, picks up the phone and calls when needed, showing she's on top of her files."

    Wailana H Kurtistown, Hawaii

  • "Stayed on top of things helping us get our home loan closed. Communication was excellent"

    Tracy L L Kurtistown, Hawaii

  • "Niki is AMAZING at what she does! She is pleasant and easy to work with and very helpful! She goes over and beyond to support and answers all questions in a timely manner. I look forward to working with her again in the future!"

    Emerald K Pahoa, Hawaii

  • "Frequent communication, timely responses to my questions, provided objective information to help me make a decision"

    Gina N P Kamuela, Hawaii

  • "Niki provided timely updates and information that resulted in a successful funding and Escrow closing."

    Trudy T Hilo, Hawaii

  • "Niki knows what’s she doing and anticipates the needs of clients and colleagues alike. It makes working together a breeze, everyone is happy, everyone is in the know, everybody wins! Always a pleasure!"

    Michael H Kurtistown, Hawaii

  • "Communicated everything along the way and always available to answer any of our questions."

    Candida D Kamuela, Hawaii

  • "Receiving emails weekly to keep me in the loop"

    Bryan G K E Kailua Kona, Hawaii

  • "Nicolette went above and beyond her call of duty. Her response time was very fast and she had a great way of explaining the process and our options to us as we are first time home owners. She carriers herself with friendly professionalism and i would be more than happy to work with her in the future as well as tell everyone i know about her!"

    Kathryn E R Kamuela, Hawaii

  • "Niki was helpful and patient at explaining what we needed to turn in and giving us time frames for the process."

    Rose A S Hilo, Hawaii

  • "Niki is always on top of things, works hard to find solutions when obstacles come up, and is a great communicator. I love working with her!"

    Laurie H Kamuela, Hawaii

  • "Nikki was extremely good at communicating and getting back to me when I had questions. It’s important to remember that she was very busy. This couldn’t have been an easy task and ultimately was the major downfall the last time I tried to buy a home. Seriously, Nikki is the best!"

    Gabriel S M Kamuela, Hawaii

  • "Niki is an amazing loan officer! She is very knowledgeable and makes the process easy. She has great communication and explains things thoroughly. Will recommend Niki to anyone looking to buy, build or refinance. Best in Hawaii!"

    Donny E S Hilo, Hawaii

  • "We have had a very pleasant experience throughout the loan process with Niki. She is the best!"

    Jian Y Honolulu, Hawaii

  • "Niki consistently responded in a timely manner. I didn't ask many questions but when I did they answered thoroughly. Niki was easy to get a hold of and always gave timeline of when she could respond if she was unable to right away. The whole process was easy and went exactly as Niki said it would."

    William K H Kurtistown, Hawaii

  • "Niki is very easy to talk to, helpful and explained everything. We loved working with her and would definitely recommend her!"

    Warren T K Laupahoehoe, Hawaii

  • "She was very communicative and responsive, open to all questions, followed up when needed with various other parties, and sought out all of the resources to ensure that we successfully closed."

    Georgiana B Honokaa, Hawaii

  • "Nicolette stays ahead of everyone's needs and communicates confidence in the process."

    Jeff C Pahoa, Hawaii

  • "Niki was dedicated to getting my families loan processed as quickly and painless as possible! She and her team worked through a mountain of paperwork related to crypto assets, documentation, etc., to make sure we got funded. Very professional, always quick to communicate, and just a nice person. I cannot recommend Niki enough, she's literally an 11 on a scale through 10."

    Ivan V Honokaa, Hawaii

  • "Our project was unique (a first of it's kind in Hawaii) and the process was lengthy to obtain first a land loan then a construction loan. Once complete we will be converting to a permanent mortgage which we will be once again trusting Niki to provide us with the best options available. Niki's experience and professionalism made the entire process, though challenging (for both of us I think), easier to manage. She was always available to give us guidance on the next step to take or challenge we needed to meet. All of this Niki accomplished during a global pandemic while dealing with the effects of COVID on both a professional and personal level. We happen to be building in the town that Niki was born and raised in so we felt an instant connection. My wife and I cannot adequately express our gratitude for all of Niki's assistance throughout our journey. With Aloha & many Mahalo's Don & Carissa"

    Donald E B Laupahoehoe, Hawaii

  • "Nikki is the best in the business. She is a genuine person that never made me feel like I was just another account. I wouldn't be in the house I live in now if it wasn't for her. Thank you"

    John D K U Keaau, Hawaii

  • "Great communication, quickly responds to questions. Very pleasant to work with!"

    Jennifer A S Volcano, Hawaii

  • "All of the information Niki went over with us when we were confused or just curious, she handled it very professional and timely. I really appreciate how direct Niki was with everything, it makes things a lot easier!"

    Patrick O Volcano, Hawaii

  • "Niki was professional and kept me up to date on the loan status throughout the whole process."

    Yang L D Papaaloa, Hawaii

  • "Niki got back to me with questions and had a lot of knowledge about the loan process. Very easy and pleasant to work with. Going to tell all my friends to use her in the future. Portal was nice and it felt secure. Easy to use and no issues. Very Satisfied."

    Maria N B Pahoa, Hawaii

  • "Being a first time home buyer Niki has been patient and more than helpful through the entire process. She’s fast and efficient. Most of all she made us feel valued. 10/10 I would recommend Niki if you are planning on purchasing a home. We can’t thank her enough for everything that she has done for our family!"

    Keith K B Laupahoehoe, Hawaii

  • "Niki was always very informative and honest when responding to my questions, and she always got back to be very quickly. She made the process much less daunting."

    Arthur N K Naalehu, Hawaii

  • "Niki pulled the buyer out of a tight situation. She was also able to close early and save the buyer money for out of pocket costs."

    Loki V Hilo, Hawaii

  • "Niki has been very responsive to all the questions we had and her timing for getting back with answers was quick and very clear. Will absolutely refer her to friends and family. It was a pleasure to work with Niki."

    Angelo D G Ocean View, Hawaii

  • "Such quick response time, great communication and always willing to help explain when i had questions."

    Crislyn M H Ocean View, Hawaii

  • "Niki is such a caring and hard working professional it’s always a pleasure to get the opportunity to work together."

    Michael H Keaau, Hawaii

  • "Doing my refi, was made simple as well as fast as could be."

    Catherine L K Hilo, Hawaii

  • "Niki was so easy to work with. She went the extra mile for us and made it all worthwhile!"

    Robin K Keaau, Hawaii

  • "Excellent and helpful, kind and patient communication through a long distance process! We live in rural Alaska, off road system and we purchased a house in Pahoa!"

    Nestor N Pahoa, Hawaii

  • "Nicolette is very personable, easy to approach regarding questions, and is responsive to our concerns."

    Victoria G Keaau, Hawaii

  • "Niki made what had previously been a negative experience with another agent into a truly wonderful experience working with her! Her communication was immediate, friendly, and helpful and her work was key in ensuring we got our loan and our paperwork completed. Little hiccups that may inevitably come during the process were smooth and even pleasant because of her diligence and demeanor. I wouldn't want to work with anyone else on a transaction on the Big Island! Mahalo!"

    Corinne L Hilo, Hawaii

  • "Niki was very helpful and explained everything that was going on that we had a hard time understanding. She is very nice and easy to talk to. I would recommend her to anyone!"

    Jerry D Papaaloa, Hawaii

  • "Nicolette always goes above and beyond to ensure a smooth and easy transaction!"

    Kapina L Pahoa, Hawaii

  • "From the first time we (virtually) met with Niki, she made us very comfortable with this daunting task of securing funds to build our home. She was kind and empathetic and always answered my questions to the best of her knowledge, promptly."

    Lucianne Z Hilo, Hawaii

  • "For first time home buyers the process was very smooth. Nikki went above and beyond to explain the process was clear about deadlines and made the whole experience pleasant and exciting by clearly explaining each step. I would highly recommend her to anyone looking to purchase a home"

    Todd T Hilo, Hawaii

  • "Nikki was very professional and always available to answer our questions."

    Anna M Honokaa, Hawaii

  • "Although Niki is a very busy woman, she took the time to explain options and update us on the timeline. Somethings were understandably out of her control, and in this busy market, it's not a big surprise that we closed a week later. Fortunately it was not a concern for the Buyer or Seller. Super glad we got to have Niki on our side with her extensive expertise and friendly demeanor."

    Wailana H Pahoa, Hawaii

  • "Niki and her team worked quickly and had everything ready to close on time, which in today's insanely busy market, is very rare. She communicated well, was very professional, and easy to work with."

    Laurie H Hilo, Hawaii

  • "Niki was very knowledgeable about the different loan programs and provided great communication throughout the entire loan process. I would definitely call her again if I wanted to refinance or buy another house."

    Scott C Pahoa, Hawaii

  • "She was always on the ball called us back. Explained everything to us. Ran the closings smooth."

    Theresa D Pahoa, Hawaii

  • "Good communication, kept us informed, process went smoothly, mahalo"

    Rodney L Captain Cook, Hawaii

  • "Niki gave great advice and was willing to look up three different scenarios to get me the lowest interest rate. She was patient and dedicated to help me through the whole process of refinancing."

    Kainoa M Mountain View, Hawaii

  • "Niki is amazing! She helped us every step of the way and answered every question we had."

    Leilani L Pahoa, Hawaii

  • "She always keep us updated and respond quickly to any questions that we had. Great costumer service!"

    Mary A Kurtistown, Hawaii

  • "Niki is an excellent communicator. She always makes herself available. She is super fast in responding to email questions/correspondence. Love working with her! If you must deal with a mortgage company I would highly recommend using Niki's skills!"

    April S Honomu, Hawaii

  • "Niki is so helpful and knowledgeable. She made us feel like family and was always available to assist. We are thankful to have had such a wonderful person to assist us in the whole process!"

    David A Hilo, Hawaii

  • "Niki was a great lender to work with. Always prompt and responsive."

    Roselynn K Pahoa, Hawaii

  • "Niki did the impossible for us. Our experience buying a house was started off on the wrong track. When we met Niki she changed that all around after being turned down to making our dream a reality for our family. I have passed her info along to our extended family and friends already. She is AWESOME!!! We will be using niki and her team if ever needed in the future!!!"

    Kati A Pahoa, Hawaii

  • "This is our second house with Nikki and Nerie, we really appreciate how helpful and easy it was get getting things in order with them. We plan on continuing service and would highly recommend for family and friends to business with them."

    Joel P Kurtistown, Hawaii

  • "Niki was awesome from beginning to end, she kept us posted on everything that was going on and she got us pre approved super quickly. there were some hiccups towards the end of the process but not from her end, however none the less she was there for us when we needed her to be. I will recommend her to anyone and everyone looking to purchase a house whether it is there FIRST like ours or there final home. Thank you for everything that you did niki :)"

    Amelia C Pahoa, HI

  • "Absolutely! Clients were very satisfied and thrilled to work with Niki!"

    Sarah H Volcano, Hawaii

  • "Nikki did a wonderful job keeping me and the buyers informed and updated on every step of the process...including getting the property closed on time! Excellent service!!"

    Randy R Kapaau, Hawaii

  • "Working with Nikki was a great experience . I would highly recommend her to friends and family . She was always pleasant when working with us . She is very knowledgeable ."

    Jay E Keaau, Hawaii

  • "Niki displayed such professionalism and expertise throughout the process with data and true timelines. The ease of uploading all required documents to the portal was perfect. We got the transaction done so efficiently and on time. Thanks Niki"

    Robert C Laupahoehoe, Hawaii

  • "Niki was very helpful throughout the process continuously. She was able to pull out the lowest apr rate we could possibly get and she got the paperworks done right away. Thank you Niki for helping us get our house! I highly recommend Niki Hubbard to assist you throughout the process of purchasing a property."

    Denis G Kurtistown, Hawaii

  • "Informed of what process we were in. Easy to talk to."

    Darlene K Hilo, Hawaii

  • "Ok is on it Very aware Very professional And super nice"

    Michael D Laupahoehoe, Hawaii

  • "Niki is a pleasure to work with. She goes above and beyond to provide a great service. She is professional, sharp and very pleasant to work with. Highly recommend!"

    Marina

  • "She never gave up on me and got thru a long process. She made it easy! Thank you!!!"

    Lynette S Volcano, Hawaii

  • "Niki is a hard working person and she knows her job well. She would never stress you out, she will work with you and never, never guide on your case. She is very professional and very dedicated to her job."

    Bensis L Pahoa, Hawaii

  • "The buyer is not an immigrant but he is granted permission to live and work in the US as part of US and Micronesian Compact Association of Free States agreement. He has no green card, but have USCIS I-92. Being in that situation, a mortgage broker who is patient and willing to learn more about international agreements was very much needed. Niki had provided openness and willingness in learning the buyer's history and understanding int'l. laws, thus, highly applauded. Thank you so much, Niki!"

    Nerie P Pahoa, Hawaii

  • "Niki was very helpful in many different ways. She gave so many different scenarios we could choose from that would be in our best interest. Niki had great communication!! She was always on top of giving us updates and responding to our emails in a timely manner. We highly recommend Niki!"

    Genesis O Mountain View, Hawaii

  • "Niki was very helpful during a complicated transaction. She responded quickly to any questions we had. It was a pleasure working with her and I will be recommending her to other clients."

    Jhoevonne B Paauilo, Hawaii

  • "Thank you all your hard work to make our dream come true! Thank you for your patience as I worked through all the issues I had with my credit."

    Desiree D Kamuela, Hawaii

  • "Nicolette Hubbard was referred to us by a good friend, who told us if there is anyone that could take us through this trying time, it would be her. Niki is EFFICIENT and she has great CLARITY when it came to requesting documents needed. Our part in all of this was made easy because of Nicolette. Upon speaking to Niki for the first time there was a feeling of assurance, we knew we had the right person. She moves fast and she keeps one informed."

    Mariano C Hilo, Hawaii

  • "Niki was very helpful and thorough. She answered all of my questions and concerns promptly which made for a smooth transaction"

    Joel M Hilo, Hawaii

  • "Niki is very reliable and quick at getting back to our questions, thank you team Hubbard!!!"

    Leonard E Kamuela, Hawaii

  • "Niki is great! her kindness and professionalism made the process smooth and easy and we will be back soon!"

    McKenzie R Pahoa, Hawaii

  • "Nicolette is an awesome person and very easy to work with. Even with this pandemic going on It was so simple to get in touch with her. I highly recommend Nikki to anyone who is need of her services."

    Juan A Keaau, Hawaii

  • "Nicolette was always knowledgeable, helpful, responsive and pleasant."

    David H Honokaa, Hawaii

  • "Awesome service! I would definitely refer Nikki to all of my family and friends. She is very informative, easy to talk to, and very helpful with everything! Thank you !"

    Harry A Laupahoehoe, Hawaii

  • "As a First time home buyer she made it very clear from the start that she was there to help you with anything. "I will sit here for hours too help you understand if you dont get it or just have questions about it, I'm here for you". Which was a big deal for anyone. Considering how scared you can feel when doing anything for the first time. Kept me updated in my transaction. Highly recommend Her!!"

    Kelakonanui A Pahoa, Hawaii

  • "Concise and through explanations of processes, quick efficient handling of all the steps. Good teamwork! Thanks Nikki!"

    Patricia A Kamuela, Hawaii

  • "She was always at your becken call she new her stuff and timed everything right she cared about her client and she worked endlessly and closed thesalr"

    Theresa D Pahoa, Hawaii

  • "Niki was great on communication and got the work done in a timely manner =) Niki is professional and makes each client feel like they are the only one."

    Jade H Hilo, Hawaii

  • "Niki is efficient and professional. She remained in communication with us throughout the entire refinance process, quick to respond to questions and follow through. The entire process was a very smooth and quick process. We highly recommend her services! Mahalo Niki!!!"

    Melissa M Papaaloa, Hawaii

  • "Niki was very pleasant, helpful, informative and always on top of the status of our process. She made this very painless. I would definitely recommend her to anyone/everyone in need of financing a home. Thank you Niki for all your help!!"

    Cheri T Waikoloa, Hawaii

  • "Made project easy. Had list of EVERYTHING we needed to do Great experience"

    Robert T Waikoloa, Hawaii

  • "Communicated well and was able to close the file in the time needed."

    Kai O Waikoloa, Hawaii

  • "Prompt and clear communication, made me and my client a priority and clearly let us know if it would take longer to reply if busy, thanks Niki!!"

    Rebecca C Pahoa, Hawaii

  • "Niki was so awesome to work with! I highly recommend her for anyone in need of a lender. She made the process seem less overwhelming, and took a lot of the guess work out of things for me. I had such a great experience working with her as my lender :)"

    Ashley G

  • "Nicolette was very professional, but also made me feel like I was working with a friend, rather than working with someone strictly on a businesses basis. I was comfortable the whole time, and she helped to make everything go by smoothly. I am new to all of this, and she was very helpful with explaining things to me in a way that I was able to understand. Overall, it was such an awesome experience and I'm so happy Nicolette was the one helping :)"

    Ashley M Pahoa, Hawaii

  • "Niki was precise & pleasant the entire process. I didn’t have to worry because she always had an update and always kept in contact with my client & I."

    Justice P Pahoa, Hawaii

  • "Nikki is terrific. Professional, consultative and a true pleasure to work with."

    Pamela M Keaau, Hawaii

  • "Nicolette was very helpful with us (first buyers and not familiar with the American system) We made her work until the last day but she did very gladly and with the results we wanted. Was a great asset for us during this process."

    Clara M Volcano, Hawaii

  • "Niki made such a significant difference in my home purchase. She is a methodical, straight shooter, who has gone above and beyond to make this experience smooth and very positive. I laud her professionalism, as well as, her extremely timely response replies with regard to document transactions. She was integral in the process of the purchase of my home, her patient, cogent and encouraging guidance was phenomenal."

    Jane K Volcano, Hawaii

  • "Niki is the creme de la creme of loan officers. She kept us on time and on task at all times. And she always did it with a smile and great attitude. Not only that, she answers her phone and answers emails quickly and with thorough answers! The best!"

    Ivory K Hilo, Hawaii

  • "Each time we had questions, Niki patiently and clearly explained to help us understand. I know that we were often very demanding, asking her to clarify line by line in various documents we got and Niki patiently and even pleasantly explained to us each time. Also, she didn't forget to let us know each time which step we were in and what steps were remaining ahead. Niki is one of 3 loan officers we've ever worked with, and she's the best. Thanks again to Niki, and we definitely recommend her!"

    Young S Keaau, Hawaii

  • "Knowledgeable and capable. She gets the job done and helps guide you through it, not much more you can ask for."

    Frank E

  • "She communicated in a timely manner. She explained stuff I didn’t understand."

    Elvira B Hawi, Hawaii

  • "Niki Is very knowledgeable, knows her stuff, and is easy to work with. I wouldn't want to work with anyone else, I highly recommend Niki to anyone."

    Kyle J Paauilo, Hawaii

  • "Niki was my first lender choice to refer my first home buyers to and I’m so glad that I did! Not only did she do an awesome job educating my buyers on the lending process, but she helped me as their agent to explain it to me as well. I’ll be forever grateful for her assistance and look forward to doing many more transactions with her."

    Jessica N Pahoa, Hawaii

  • "Although the process took longer than expected, Nicolette did a great job of keeping me informed as things progressed."

    Ryan M Hakalau, Hawaii

  • "Nikki is wonderful! She is knowledgeable, professional and most of all caring and sincere. I highly recommend her!"

    Daniela L Ninole, Hawaii

  • "NIKI was there each step of the way to answer any questions and concerns. Her response was quick and she always worked and communicated with the highest degree of professionalism. We highly recommend NIKI! She is professional, prompt and such a wonderful person to help get you through the process!"

    Reyn K Hilo, Hawaii

  • "This was a very long escrow and Niki was on it every step of the way! I look forward to working with her on many more transactions and will definitely refer her to more of my buyer clients."

    Hillary M Laupahoehoe, Hawaii

  • "Niki was on top of everything and always kept us in good communication."

    Jade H Pahoa, Hawaii

  • "Niki is always great with my clients and they rave about the work she does."

    Christopher M Kailua Kona, Hawaii

  • "Niki was awesome. I struggle with computer technology and Niki made it fairly painless. Thank You Steve Wilson"

    Steven A Kailua Kona, Hawaii

  • "Niki has consistently gone above and beyond to help us and we would gladly refer her to anyone else considering a refinance or new home mortgage!"

    Randi L Hilo, Hawaii

  • "Niki was always there for us. She kept us informed of everything that was going on. If we had a question she always explained every detail. Niki was always pleasant and took the time to get to know us and our situation. She did an excellent job for us. Kathy and Jerry McDonald"

    Jerome J Ocean View, Hawaii

  • "We searched for a loan officer we could trust and Niki is that special person. She is prompt, couterious, professional, knowledgeable, kind and always went the extra mile. She answered every question and was always looking out for us. She is a pro!"

    Fred S

  • "Niki is the best professional we have been working with in this field, and we are so happy to work with her. The quality of her excellent work exceeded all expectations!"

    Jian Y

  • "From the date of initial approval, we closed in 30-days. Call Niki for fast, reliable service who is very knowledgeable in what she does."

    Hope C

  • "Niki is so easy to work with and very knowledgeable in the different mortgage products she has to offer. From the date we got our initial approval we signed/closed in 30 days!! If you want fast dependable service contact Niki and she will get it done and you in your new home as fast as possible."

    Henry K Mountain View, Hawaii

  • "Niki was a great help to me and my husband! We had some issues arise and she was patient with us all the way and helped my husband and I work through them. Niki was a complete professional and her customer service skills were impeccable! We highly recommend Niki. Thank you for your hard work! Mahalo! Ali and Peri"

    Alicia J Keaau, Hawaii

  • "I appreciate anything and everything you all have done together to help us keep our properties. You gave me peace of mind. Thank you for understanding my situation, I am so thankful that I came to you. I will recommend you to anyone who is in need of a Mortgage and know it will get done."

    Marie J Kamuela, Hawaii

  • "Niki was super positive, and calmed our nerves several times. She also has great follow-through. When she would say she’d do something, she did it. She always got back to us with answers to our questions if she needed to consult another resource. And she let us know in advance what to expect, or what was next."

    Rachael E Keaau, Hawaii

  • "Niki was knowledgeable, organized, on-time and most of all up front about the Rate and processes. It was a Great experience"

    Renato D Keaau, Hawaii

  • "Niki was very helpful and informative. We had a 30 day close and she was quick and pushed everything along during the whole process. It was easy to reach her with any questions. She’s the best!"

    Jill Y Hilo, Hawaii

  • "Nikki is very knowledgable and communicative. She explained various options and broke down the process step by step. This is my 4th mortgage process experience and no other has kept me abreast of developments throughout the mortgage process, but Nikki has. It makes such a huge difference especially when obstacles arise. I was able to make informed decisions that I was comfortable with. She is easy going and very respectful and people person. I highly recommend Nikki as a go to for mortgage need"

    Audrey K

  • "Having Niki as my loan officer for my very first home loan was the best decision I made. She is an amazing person to work with in addressing my morgage needs. She took the time to understand the situation and helped me problem solve. There were times i thought this wasn’t the right time to buy a home but Niki’s never gave up in helping me find solutions. I can’t thank her enough for helping me make my dreams into reality. I highly recommend her to anyone."

    Christan S Hilo, Hawaii

  • "Nicolette has amazing communication skills! She is extremely helpful and went above and beyond to help us execute the best loan for our circumstance. I would highly recommend her to any new or experienced home buyer."

    Lauren A Kamuela, Hawaii

  • "Nikki made an easy to follow schedule, made sure we stayed on track and was so easy to work with."

    Marcus J Keaau, Hawaii

  • "Niki was great to work with and made this process so much easier!!!! If we ever need to finance another home- she is our go-to person! We highly recommend her to anyone looking to purchase a home."

    Randi L Hilo, Hawaii

  • "Nikki was phenomenal she turned our dreams into a reality. Overall great experience, I highly recommend her to anyone trying to purchase a home."

    Caroline L Ocean View, Hawaii

  • "Niki was excellent to work with. She has a great attitude, is very knowledgeable, and made herself available whenever my husband and I had questions about the process. I will definitely recommend her to others in the future."

    Shiri B Kamuela, Hawaii

  • "Nikki Hubbard was great because she helped me and my husband to getting our new home! She was patient and very understanding! I would definitely refer her to another family who are looking into buying a new home and having to make a loan. Thank you, Nikki!"

    Rochelle C Pahala, Hawaii

  • "It was great that I knew Niki. We went to school and worked together. We have an understanding and we are able to be honest and open with each other about the process."

    Loida B Keaau, Hawaii

  • "Nikki made it super easy for us to get this done. She’s very knowledgeable in this field. It was a pleasant experience."

    Dayton K Pahoa, Hawaii

  • "Niki was always responsive and gave us answers that we needed. She went out of her way to help us. Felt like a friend to friend relationship."

    Weston J Kamuela, Hawaii

  • "nikki answered any questions we had if she didnt know it she would find it out asap. she made the experience of buying a home easy and we appreciate it."

    Chelsea M Kamuela, Hawaii

  • "Very pleasant and easy to talk to. Explained things we did not know. If we weren't sure the documents she needed, she explained what document it was."

    Rosita B Ewa Beach, Hawaii

  • "Nikki was so amazing. She always answered all of our questions, took time to explain every step of the process. She was efficient and helped us close sooner than we had expected. We are so grateful we chose to have Nikki help us through this major life decision of buying a home. Thank you Nikki."

    Jenny I

    Hakalau, Hawaii

  • "Niki is a very friendly hard-working professional broker, she did an excellent job for my loan applications. I feel much more comfortable and confidence when she handles my business, and I really appreciate her great works."

    Jian Y Mountain View, Hawaii

  • "Nicolette Hubbard is who made it great. When i went through 6 companies and some never even got back to me. She helped and went above and beyond to get me a loan that I didnt think was possible."

    John D Keaau, Hawaii

  • "The overall help and advice throughout this very stressful time made everything much smoother. Niki went above and beyond my wife and I's expectations, we were very lucky to be working with her. Thank you Niki! Regards, Ryan and Nicole"

    Ryan D Papaikou, Hawaii

  • "Niki is great to work with! She is knowledgeable about options and passionate about helping Hawaii people find a way to LIVE in Hawaii. Whether born here or new to the islands, Niki is relatable and very friendly!"

    Keoni A

  • "Niki focuses on customer service and aloha! She is also very proficient at her job and is able to help people if they are able to be helped in any way! Thank you Niki for all your hard work and professionalism!"

    Jocelyn D

  • "Niki is a wonderful person and you really need to see her if you are looking at buying or refinancing your home."

    Rob S

  • "Nicolette “Niki” is very knowledgeable and explains all the options available so you can make an informed decision. I was looking for options on a remodel and refinance and she explained all the different options available to me. She made sure to take the time to explain everything to me. I trust Niki because she really is looking out for your best interest. Highly recommended!"

    Sarah L

  • "As first time home buyers I am so glad we had Niki to help us! Niki was very patient and explained everything in detail. Throughout the whole homebuying process she was always one step ahead and knew exactly what needed to get done! She always kept in touch, and answered my emails promptly! Niki’s the best! Thank you Niki!!!"

    Joseph R Keaau, Hawaii

  • "Nicolette Hubbard is an expert in the field of home financing. She both knows the local market and industry trends. We trust her with our home financing and highly recommend her."

    Myles H Hilo, Hawaii

  • "Niki was absolutely amazing. We were referred to her by our Real Estate agent after our first loan officer did not follow through on what was needed. Niki was such a breath of fresh air. Extremely responsive and always keeping us updated on new developments while ensuring our understanding. She even coordinated with other parties to make sure everything went smoothly. Thank you Niki! We are so very grateful for you."

    Lourival M Mountain View, Hawaii

  • "Niki brought a tremendous professionalism, seamlessless and aloha throughout the entire remote application and closing process. I highly recommend Niki and her team."

    Pamela M Keaau, Hawaii

  • "Niki was available at all times to answer my questions. She was knowledgeable, attentive, and made the home buying process really easy and less scary. This is my first home so I didn’t know what to expect, so I’m thankful I had Niki to guide me through this process!"

    Jessica P Mountain View, Hawaii

  • "Niki's attention to detail, guidance and follow up was integral in our getting through this process. These attributes and her hard work enabled us to make informed and timely decisions. Absolutely thrilled with our experience! It was a no stress experience for us, thanks to Niki."

    Laura K Kurtistown, Hawaii

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