"Dane was awesome and so easy to work with! He was responsive, efficient, and always kept us informed. We faced some challenges along the way, but Dane worked tirelessly to secure a home loan for our family. We truly ..."
Ofa Tauteoli
The Right Mortgage Is Simpler Than You Think.
Finding the right loan doesn't have to be complicated. Whether you're buying your first home, refinancing, or exploring your options, the process starts with one conversation, and the right guidance makes all the difference. We match you with the mortgage product and terms that fit your goals, your budget, and your life.
I've spent 6+ years helping buyers in Hawaii find the loan that fits. I'll tell you plainly when a loan doesn't make sense.
DaneDane Costa · NMLS 787138
One conversation. No application, no credit pull.
Tell Dane what you're trying to do. Dane takes it from there.
Start the conversation
You're in
Thanks, there. Dane has your details.
- Dane reaches out personally, usually the same business day.
- You'll walk through the programs that fit your goal and see real numbers.
- You decide the next step: a written preapproval, a call, or keep the numbers for now.
Xpert Home Lending, Inc.NMLS #2179191Equal Housing Lender
Dane Costa, NMLS #787138
Licensed in Hawaii
What happens next
Three Steps. No Pressure.
- 01
Tell Dane your goal
Share a few basics so Dane understands your timeline and budget. That's the whole form.
- 02
We match programs across our lender network
Xpert works with a large network of lenders. Dane compares programs, pricing, and guidelines across them and highlights the options that fit you best.
- 03
You choose your path
Talk to Dane, get a written preapproval, or keep the numbers for now. Your call.
Proof
Borrowers Who Work with Dane
"Dane and his team are HI Velocity Mortgage are fantastic. They made my first time home buying experience effortless. Their online portal to submit documents was fantastic and so easy to use. Dane was always there to ..."
Andres Delmonte
"Going with Dane for my mortgage was the best decision I could have made. I live out of state and travel for work often but Dane kept seamless communication with me across all time zones. He made a relationship with my ..."
Katelynn Scully
Before you fill out the form
The Questions That Stop People.
No. Sending this form doesn't touch your credit. If you decide to move toward a preapproval, Dane asks for your permission first and tells you whether it's a soft or hard inquiry.
No. Your details go to Dane and Xpert Home Lending's secure system so Dane can follow up with you. We don't sell or rent your information to third parties. The privacy policy in the footer spells out exactly how it's used.
A bank can only offer its own programs. Xpert Home Lending works with a large network of lenders, so Dane can compare programs, pricing, and guidelines across many of them and show you the options side by side. One conversation, many options, and you choose.
Often within one business day once Dane has your income documents and your permission to run credit. If you're about to write an offer, say so and Dane will prioritize it.