John DiSpirito

Producing Branch Manager

NMLS #228380

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CALL ME

Office: 980.890.6095

Call or Text: 808.647.4552

Fax: 980.890.6095

EMAIL ME

[email protected]

LOCATION

4493 Moana Road, Unit A - Bldg A,
Waimea, HI 96796

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About me.

Happily celebrating my 15th year on the beautiful island of Kauai as well as four decades in the lending industry.

Throughout my lending career, my main goal has always been to treat my clients like family. I count many of my closest friends today from past clients. Mortgage lending is not as complicated or time-consuming as most people think. It's a process, just like any other task, and if we complete our diligence at inception the process moves efficiently and quickly.

Other than enjoying this beautiful island I thoroughly enjoy working with new clients daily. My business partners and borrowers are always able to reach me, after hours and on weekends.

Let's connect.

Your home buying or refinancing journey starts here. Fill out the form to get in touch.

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By clicking “Submit” below, I am providing my ESIGN signature and express written consent agreement to permit Cardinal Financial Company, Limited Partnership to deliver or cause to be delivered telephone calls or SMS/MMS messages using an automatic telephone dialing system, automated technology, or AI generative voice or an artificial or prerecorded voice, including calls or SMS/MMS messages made for advertising purposes or that constitute telemarketing or solicitations, to the residential landline or wireless telephone number(s) or email address I have provided for purposes of fulfilling my inquiry about mortgage financing, even if call or text results in a charge by my provider. I also agree that this authorization is valid even if any of the number(s) listed above have been added to Cardinal Financial Company, Limited Partnership’s company specific do-not-call list, or to any state or federal do-not-call registry. I acknowledge my consent to receive such calls from Cardinal Financial Company, Limited Partnership is not a condition of buying any goods or services from Cardinal Financial Company, Limited Partnership, and will not affect whether Cardinal Financial Company, Limited Partnership provides goods or services to me and if I do not wish to consent, I may contact a Loan Originator by calling 855.561.4944.

Loan process
overview.

Getting a mortgage or securing a better rate with a refinance doesn’t have to be a migraine. Here’s a high-level look at the process.

Connect and apply.

First, get your free quote. Then one of our loan originators will be in touch to say hey, discuss your goals and options, and walk you through the application process.

Lock and close.

Whether you’re purchasing or refinancing, our underwriting team crosses the t’s and dots the i’s to verify your info. We’ll update you on your progress every step of the way.

Make yourself at home.

Once your loan is locked and you’ve signed your closing disclosures, you either get your keys or you get on with your life in the home you love, with the rate you deserve.

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options.

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