Your Mortgage, Made Easy.
Get fully approved*, not just pre-approved, with smart technology that reads your documents, reviews your file in real time, and keeps you updated around the clock. Backed by a local lender who actually answers the phone.
No more mortgages from the dark ages. Welcome to Anthony Valentino Lending.
Aloha, I’m Anthony Valentino
A Hawai‘i-Based Mortgage Lender That Also Lends Across the Pacific to the Mainland.
Providing aloha across the nation.
Owning a home is a significant achievement, and you deserve the ideal loan to match. Anthony Valentino Lending is your local Kaua‘i lender and your local Las Vegas lender, licensed in 11 states and growing. Buying somewhere else? We’ll connect you with a trusted, licensed lending partner in your state.
A Five-Star Mortgage Experience
Why You Can Rely On Us
Our People Are Our Greatest Asset
Anthony Valentino Lending is a local, Hawai‘i-rooted team, not another nameless, faceless corporation. Rooted in Hawai‘i, we’ve got you covered from Hawai‘i to Las Vegas to Florida, in every state where we’re licensed.
Relationships > Transactions
We value changing people’s lives over the bottom line. Our motivation comes from helping clients into their dream homes.
Transparent & Consistent Pricing
With a highly responsive, knowledgeable team, you’ll never be in the dark about your loan process or pricing.
The Mortgage 101 Podcast
Anthony and Manley break down rates, the market, and the questions real buyers ask, in plain language with no finance degree required.
"Honesty, knowledge, and communication. That's what you should expect from the moment we start talking, to the day you get your keys."
Anthony Valentino is the Founder & CEO of Anthony Valentino Lending. With over a decade in finance and a sharp focus on economics and mortgage lending, he built Anthony Valentino Lending to give homebuyers a modern, personal lending experience rooted in Hawaiʻi.
Hundreds of families a year trust Anthony and his team to guide them through one of the biggest financial decisions of their lives, with the technology to move fast and the attention to detail to get it right.
Find the Loan That Fits You
Home loans aren't one-size-fits-all. Explore the programs we offer below to see what might work for you, or filter by what matters most to your situation.
Conventional Loans
Fixed and adjustable-rate options for buyers with steady income and solid credit. Often the most straightforward path to a competitive rate.
Learn about Conventional loans →VA Loans
For service members, veterans, and their families. As little as 0% down, with terms built around military life and duty stations.
Learn about VA loans →FHA & USDA Loans
Low down payment programs with 0 to 10% down, designed to lower the barrier to that first (or next) home purchase.
Learn about FHA & USDA loans →Bank Statement Loans
Self-employed on Kaua‘i or anywhere else? Qualify using 12 to 24 months of bank statements. No tax returns or pay stubs required.
Learn about Bank Statement loans →Jumbo Loans
Built for high-cost markets like Hawai‘i and California, with financing for luxury and above-conforming-limit properties.
Learn about Jumbo loans →Physician Loans
An affordable path for medical professionals, with as little as 5% down, with flexible treatment of student loan debt.
Learn about Physician loans →Foreign National Loans
Financing for non-U.S. citizens. No social security number, green card, or FICO score required.
Learn about Foreign National loans →Reverse Mortgages
For homeowners 62 and older. Turn built-up equity into income to support retirement or long-term care, right where you already live.
Learn about reverse mortgages →Non-QM Loans
Flexible qualification for investors and self-employed borrowers who don’t fit a traditional box, including DSCR, Bank Statement, P&L Only, Pledged Asset, Asset-Based, and No Doc loans.
Learn about Non-QM loans →Not sure which loan fits?
Tell Anthony a little about your goals and he’ll match you with the right program.
Anthony Valentino Lending FAQs
Where do I begin?
Whether you’re looking to buy or refinance, your first step is figuring out your budget. Click “Get Pre-Approved” at the top of the page, and Anthony will reach out personally to talk through next steps.
What do I need to get pre-approved for a home loan?
Generally: recent pay stubs, two years of tax returns or bank statements if self-employed, bank statements, and a photo ID. Anthony will give you the exact list for your situation once you connect.
What if my credit score is average when applying for a loan?
You still have options. Programs like FHA and Non-QM loans are built for borrowers who don’t have perfect credit, and we’ll walk you through what fits.
What is the debt-to-income ratio?
It’s your total monthly debt payments divided by your gross monthly income. Lenders use it to gauge how much additional mortgage payment you can comfortably take on.
What if I have student loans? Can I still apply for a mortgage?
Yes. Student loans don’t disqualify you. They’re factored into your debt-to-income ratio, and several programs offer flexible treatment of that debt.
What type of property can I purchase?
Single-family homes, condos, multi-unit properties, and more. Eligibility depends on the loan program. Ask Anthony about your specific property type.
This is not your ordinary calculator.
Put in an address, offer price, program, and down payment. We’ll estimate taxes and insurance, price mortgage insurance, compare every loan program, and let you email the breakdown to yourself and your agent.
Open the Smart Calculator→What will my payment be?
See your full monthly payment in seconds, with today’s national average rate for your program plus taxes, insurance, and mortgage insurance.
Let's find your payment.
Reach out directly, or send a few details and we'll follow up within one business day.
