Judy has been with Island Pacific Mortgage since October of 2007. Before working at Island Pacific Mortgage, LLC, she was with a mortgage banker for several years in the San Francisco Bay Area. Judy has been married to her husband Hubertus (“Hubie”) for 15 years. He was born and raised in Freiburg, Germany where he earned his Master Title in fine furniture making and custom woodwork. They met in San Francisco and lived there for 10 years prior to moving to Kauai. While Judy’s company has changed, her values and how she treats her clients have not.

Judy is not the typical loan officer. She is a Certified Mortgage Planning Specialist (“CMPS”). Many homeowners don’t realize the life changing impact their choice of a home loan can have on investment issues, retirement issues and cash flow issues. Judy can help analyze the TOTAL COST of a mortgage over time, and she will help create Mortgage solutions that compliment your overall financial strategy, and allow you to most effectively accomplish your financial goals as wells as your payment and equity objectives

Personal Mission Statement:

As a CMPS professional, I am committed to raising mortgage industry standards of practice, ethics and professionalism through my membership, training and certification. My goal is to help you select the best mortgage that addresses your short and long-term financial and investment goals. In addition I have specific core values that I use in my daily business practices. Collectively, these principles represent the commitment that I make to you. I have decided that without exception I will…


* Ask Questions and Listen to you in order to fully understand your needs

* Create Mortgage solutions that compliment your overall financial strategy, and allow you to most effectively accomplish your financial goals as wells as your payment and equity objectives

* Be Sensitive to the fears that you may have about obtaining a mortgage loan and earn your confidence as a trusted advisor

* Respect your time and minimize the amount of effort required of you by applying my knowledge, experience, and resourcefulness

* Use Technology as a compliment to my customer service efforts and not a substitute

* Communicate regularly and proactively to keep you informed of your loan status and to reduce the stress that is so often associated with this process

* Ensure smooth, on time closings with anticipated costs and terms

* Provide the benefit of future home loans with little effort on your part, by means of an Annual Mortgage Review, Total Cost Analysis, & Rate Watch Report

* Measure our success by your willingness to confidently recommend me

* Take Full Responsibility for my actions and be honest at all times

* Seek to improve the quality of service I provide by encouraging you to critically evaluate my performance


Judy specializes in the following LOANS:
- Purchase money loans
- Refinances
- Cash -out refinance
- Construction & Land loans
- Jumbo loans


Judy is exceptionally familiar with the following project sites/developments on the island of Kauai:

- Wainani at Kiahuna in Poipu
- Kukui'ula in Poipu
- Kaiulani of Princeville
- Poipu Beach Estates in Poipu
- Nihilani At Princeville