Gerald Tandal’s Testimonials

Gerald was fast and effective and found a rate no one else could touch. Great job!!!
Jerrell T.
April 8, 2019

Excellent service, very satisfied!

Jocelyn M.
March 15, 2019

Excellent service, very satisfied!

Robert N.
March 5, 2019

Despite there being unexpected hiccups throughout the process, Gerald remained with me every step of the way. He was exceedingly patient, gracious, and was able to explain things to me in a reliable and valid manner. Gerald knows his products, and has insights that allowed me to make more informed decisions. He was prompt in responding and in getting updates to me, and I would certainly not have gone through this process had it not been for his assistance.

Rhesa K.
December 11, 2018
Alfred K.
November 16, 2018
Gerald is very efficient and helpful.


Laurence L.
September 7, 2018
Working with Gerald was perfect…he made everything very easy and simple to understand for me.


Raymond M.
September 7, 2018

Me and my husband are first time home buyers. We had zero knowledge of the home-buying process. Gerald was very patient and helpful explaining everything and answering all my questions. He’s very flexible with scheduling and he NEVER in any way forced us to buy a property we didn’t like. Overall, I give him an outstanding grade for being an excellent loan officer and will definitely recommend him to my friends and family. Mahalo/Thank you/Salamat Gerald!!!

Jenelyn E.
October 13, 2017

Gerald Tandal is an expert in what he does. He goes that extra mile and gives you the best possible solutions in helping you with your mortgage. He is very caring and understanding. Will recommend him to all I know!

Robert A.
October 13, 2017

Although working with Gerald between different islands, it was, nevertheless, a very efficient and near-seamless experience. This was the first time meeting him (over the Internet and our phone) but he immediately came across as someone my husband and I felt we could trust. And, that was the most important aspect of this whole mortgage refinancing experience–that we can honestly say that Gerald was someone we could trust and rely on to help us with our mortgage refinancing even without meeting him face-to-face. My husband and I are very “old school” in that important transactions like mortgages were always dealt with “in person” because it is important for us to SEE who we will be entrusting VERY critical and private information with. Gerald’s personality is such that his character comes through just by conversing with him. He is honest and direct but sensitive enough to know when to carefully ask about personal matters important to understanding the needs of his client(s).  He will “fight” for his client as best as he can and always has the best interest of the client at hand. We would not hesitate to recommend him to anyone in need of mortgages and the like. We are sincerely thankful for all the help that he provided to us.

Mae K.
March 28, 2016

I think the refinance process went very smoothly. Previously, I was unable to qualify for a refinance with another company. I was not offered any suggestions on what to do next. However, when I registered with Hawaii Mortgage Experts, Gerald was able to provide me with the options in which I was unaware. Because of Gerald’s knowledge and dedication, my family was able to enjoy the benefits of getting refinanced in a timely manner.

Marlana G.
February 9, 2016

Gerald made my home refinancing experience absolutely painless. He frequently called to keep me updated about where we were in the process and responded quickly to any questions or concerns I had.

Aneulena C.
February 9, 2016

My husband and I were pleasantly surprised at how smooth and seamless the process rolled out. From the application to the signing at closing, Gerald Tandal and his team provided everything we needed. I felt like we just showed up to sign the documents (actually, the notary came out to our home). I will surely tell our family and friends about the HME experience.

Laurie U.
October 19, 2015

We are very fortunate to get to know Mr. Tandal for helping us. He is very diligent in processing our VA loan, follow through all documents fast. We would like to thank you Mr. Tandal.

Soledada V.
October 19, 2015

From start to finish (which was about 30 days) Gerald always kept us informed on what was happening with our refi process.

Roxanne Y.
August 31, 2015


Carol A.
August 31, 2015

Gerald was great to work with and we look forward to working with him again in the future.

Carlo D.
August 31, 2015

Gerald did outstanding, great service.

Ronald U.
August 31, 2015

Gerald was really easy to work with. We didn’t feel pressured into signing anything. The process was really quick! Very happy!! Thank you!

Charles N.
July 14, 2015

We were very pleased and satisfied with the service Gerald provided to us in refinancing our home. He was very efficient and stood right by our side throughout the whole process, not just leaving us to wonder what was going on. We will definitely recommend him to all our friends and family. Thank you, Gerald.

Shada K.
July 14, 2015

Gerald said it would take less than 30 days to close and it did!! No appraisal needed!! 🙂 Great customer service…kept us informed every step of the way!!

Quintin A.
July 14, 2015

Gerald was very helpful in making this process move along very quickly. He was available to answer all of my questions and to make me feel comfortable dealing with Hawaii Mortgage Experts since this was my first time using a mortgage broker for a refinance. Everything went smoothly and he said it would be done within a month and it was !! I am so grateful that I took the time to talk with Gerald because now I am in a much better place financially.

Susan M.
June 9, 2015

From the first time I spoke with Gerald, he was very professional, and very kind. He was always ready to answer any question, and assisted with all issues that arose. He clearly cared about all our needs, and was a pleasure to work with. I would highly recommend him as a mortgage broker with enthusiasm, and without a single reservation.

Thomas M.
April 30, 2015

Gerald worked very hard often “behind the scenes” to make our loan happen with the terms we wanted.

Aaron J.
January 20, 2015

Out of the blue Gerald contacted me and asked if I was interested in saving some money. I am always looking to put more money in my pocket so I can retire sooner than planned.  Gerald provided us with excellent service!

Paul G.
December 22, 2014

The loan process with Gerald Tandal was a very pleasant experience and he walked us through every step of the way through the refinance of our loan that put us at ease that we were blessed to have him work with us. Thank you.

Christe L.
December 22, 2014

Gerald was very helpful in keeping everything rolling to ensure this got done since I had a challenging situation to work with.

Joseph B.
November 17, 2014

I was very impressed with my experience with HME. Gerald was terrific!!!

Lisa Ann B.
October 29, 2014

This process was so easy! I want to thank Gerald for always being available to answer all my questions.

Keokilani K.
October 29, 2014

Gerald was very helpful and paid attention to my every need. I will defiantly recommend Gerald to my friends and will be sure to use the services again if I need to!

Randilyn K.
October 16, 2014

Gerald Tandal did a great job of staying on top of everthing. I came in contact with Gerald about 4 years ago thru an e-mail. At that time I was having a hard time refinancing but Gerald stayed with me. He was concerned on how I was doing. Finally he was able to work out a deal where I was able to refinance at a good interest rate. Mahalo for all the hard work…….Peter and Barbara Mota

Peter M.
October 10, 2014

Since I am working in Japan, I applied for the mortgage refinance via distance support. Gerald put together the refinance package with no problems at all. My wife, who was my attorney in fact, told me that Gerald made her very comfortable while assisting her through the mortgage paperwork process up to completion. If and when the mortgage interest rates drop to a lower figure in six months, I will ask Gerald to help me do rate reduction the VA loan refinance.

Fernando H.
September 22, 2014

Our experience working with Gerald was excellent! He provided us with great service.

Irwin S.
September 22, 2014

We had to deal with a VA qualifications that seemed never-ending and Gerald was there each step of the way to move the process forward! We are very satisfied with our experience!

Chayil C.
September 5, 2014

Gerald is an expert in his field. He is courteous, efficient, patient, professional and tenacious.

Ann M.
July 29, 2014

Gerald’s service was excellent. He provided me with daily updates and informed me of each step during the process. I will be recommending him to my friends and family!

Sam C.
July 29, 2014

I am very satisfied with my experience working with Gerald. He provided excellent service and I will be recommending him to my friends and family members!

Daniel L.
July 29, 2014