Ricky Ostrander, Hawaii MLO NMLS 2123434

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United States
Kailua-Kona, HI
Ricky Ostrander, Hawaii MLO NMLS 2123434

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Aloha,

I am happy to help you with all of your mortgage needs! V.I.P. Mortgage, Inc. does Business in Accordance with Federal Fair Lending Laws. NMLS ID 145502.

HI: Mortgage Loan Originator Company License HI-145502. VIP is not acting on behalf of or at the direction of the FHA/HUD or the Federal Government. This product or service has not been approved or endorsed by any governmental agency, and this offer is not being made by any agency of the
government. VIP is approved to participate in FHA programs but the products and services performed by VIP are not coming directly from HUD or FHA. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions may apply. This is not an offer to enter into an agreement. Not all customers will qualify.

10/30/2026

From caring for aging parents to creating space for extended family, multi-generational homes continue to serve an important purpose. We can help these buyers secure financing that fits the whole family.

10/29/2026

Big plans? Unexpected expenses? A CCM Signature Agency Cash Access refinance can help you access up to 90% combined loan-to-value, providing more available funds than a conventional cash-out refinance. See what may be possible: http://spr.ly/6189BHbCD9

10/27/2026

Own your home and your timeline. We'll help you buy when you’re ready — even if your current home isn’t. Get the Buy Now, Sell Later basic: http://spr.ly/6189BHrILJ

10/26/2026

Passion brings life to every day.

10/24/2026

The best spot to watch the leaves fall? The comfort of your own front porch.

10/23/2026

When buyers get cold feet, the right conversation can bring clarity and confidence. September’s 7.3% drop in pending home sales shows why thoughtful guidance matters. Let’s connect and help your clients move from hesitation to an informed next step.

10/22/2026

🏡 **Buying a home with ZERO down? Absolutely possible.**

One of the biggest things holding buyers back isn't their ability to afford a mortgage, it's coming up with the down payment.

We have a program that can eliminate that hurdle entirely and potentially help with closing costs too.

**Agents:** You may have buyers sitting on the sidelines who could actually purchase today.

**Buyers:** Don't assume you need years of savings to own a home.

Give me a call. I love finding ways to make deals happen that others think can't be done. 🤙

*Qualification requirements and program restrictions apply.*

10/22/2026

Your income may not look like everyone else's, and that's okay. We offer financing options designed for self-employed borrowers, independent contractors and business owners. Learn more: http://spr.ly/6181BGXvbf

10/21/2026

There’s no right age to buy a home — but there is aright mortgage for every buyer. We’ll help find it, no matter what stage they’re at.

10/20/2026

Having equity means having options. Let’s explore the best way for you to access yours. Learn more: http://spr.ly/6186BG75hI

Address

1050 Queen Street Suite 100
Kailua-Kona, HI
96814

Telephone

+18083337264

Website

https://crosscountrymortgage.com/honolulu-hi-4264/ricky-ostrander/

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