It brings no greater joy for Thoai Pham to be relentless in servicing her clients. Whether it’s finding the best rate, meeting tight deadlines, or structuring a complex loan, she recognizes her client’s individual needs, finds the best solution, and gets the job done. Leading the mortgage and lending industry in Hawaii for over 14 years, Thoai loves what she does.
After graduating with an MBA in Finance and a BA in Business-Economics & Accounting from UC Santa Barbara, Thoai began her career in commercial lending. Fond of the real estate market, she joined the residential mortgage division and quickly became a top loan officer at a local bank. With an opportunity to do both residential and commercial loans, she decided to join another lender and quickly became the #1 loan officer with the highest volume and number of units for 8 consecutive years before she joined Finance of America Mortgage.
Thoai is fluent in both English and Vietnamese. She enjoys travelling, fishing, scuba diving, and spending quality time with her husband and baby daughter at their home in Hawaii.
Using a mortgage calculator can help you calculate monthly payments on a home loan.
Use our refinance calculator to determine whether the costs of refinancing into a new home loan makes sense for your financial situation.
Mortgage Affordability Calculator
Use our mortgage affordability calculator to see how much home you can afford.
Why Finance of America Mortgage?
We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.
Frequently Asked Questions
The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.
When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.
Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.
You have questions, we have answers.
Together, we’ll find great mortgage solutions.
Schedule a talk with a mortgage advisor or leave a message. We’ll get back within one business day.