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YOUR BIG ISLAND MORTGAGE EXPERTS

Personalized Mortgage Solutions from a Team That Knows and Loves Hawaii's Big Island

Meet the Team

Julie Lawrence

Julie Lawrence

Loan Officer

Based in Kona, Julie brings more than 40 years of banking and lending experience in Hawaii, including 25 years in commercial banking. After a career as a Special Education teacher, she now pairs her financial expertise with an educator's patience to guide individuals and families across the islands toward homeownership. Her philosophy: "I never say no, just not yet."

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Tarell Monmaney

Tarell Monmaney

Loan Officer

Born and raised on O'ahu's east side, Tarell is a dedicated Loan Officer with Point Mortgage committed to delivering personalized financing solutions for Hawaii's diverse homebuyers and homeowners. With strong local roots, she takes a consultative approach to help clients find the loan program that best fits their goals, striving to be more than a lender — a trusted advisor for every stage of their real estate journey.

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Loan Program Options

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Resort, Vacation Rental & Condotel Financing

Finance Hawaii's unique property types with a lending team that understands the local market. We offer specialized solutions for eligible resort, vacation rental, and condotel properties.

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Niche Investment & Non-QM Programs

Flexible financing for borrowers with unique income or investment goals. Explore DSCR, Bank Statement, Asset Depletion, and other Non-QM loan options designed to fit your financial picture.

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Conventional Loans

A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

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FHA Home Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

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VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...

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Jumbo Loans

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $766,550 in...

Contact Us

75-5799 Alii Drive Building #A3
#A3 Kailua Kona, HI 96740
Aloha@PointMTG.com