About Forest Loan Programs How It Works Reviews Get a Free Quote →
Hawaii's Trusted Mortgage Broker

Your Dream Home
Starts with the
Right Mortgage

Forest Knott guides Hawaii families through every step — low rates, a 10-day close, and the personal service no bank can match.

Apply Now  → Get a Free Quote
10 Day Close
6+ Loan Programs
100s Families Helped
★ 5.0 Google Rating
Backed by E Mortgage Capital · NMLS #1416824
HUD-Approved. VA-Certified.
Fannie & Freddie Backed.
Forest operates under one of the nation's fastest-growing mortgage bankers — giving you access to more programs and better rates than any single lender can offer.
VA & FHA Approval
Dept. of Veterans Affairs · HUD Certified
Agency Approved
Fannie Mae & Freddie Mac Seller/Servicer
Hawaii License
NMLS #1416824 · Licensed Since 2002
Rate Access
20+ Lenders Shopped · One Application
Loan Programs Available
FHA · 3.5% Down VA · $0 Down Conventional Jumbo Non-QM Bank Statement Reverse Mortgage HELOC / 2nd Mtg
Get a Free Rate Quote No credit pull · Same-day response from Forest
→
Clear to Close in 10 Days
Industry-leading turnaround
Competitive Low Rates
We shop dozens of lenders for you
Hundreds of Families Helped
Across Oahu and all of Hawaii
5-Star Google Rated
Trusted by Hawaii agents & buyers
Forest Knott, Hawaii Mortgage Broker
Licensed Broker State of Hawaii
About Forest

A Broker Who Works for You,
Not the Bank

Unlike a bank loan officer who can only offer their own products, Forest shops your loan across dozens of lenders — finding you the best rate and terms for your specific situation. That's the broker advantage.

He's helped hundreds of Hawaii families — first-time buyers, veterans, self-employed borrowers, and seasoned investors — navigate what can be a complicated process with clarity, speed, and genuine care.

Fast — Clear to Close in 10 Days

Streamlined process and lender relationships that move at your speed.

Better Rates, More Options

Access to dozens of lenders means you're never stuck with one offer.

Real, Personal Service

You get Forest — not a call center. He knows your name and your file.

Get a Free Consultation Call 808-729-2166
Loan Programs
Whatever Your Situation,
There's a Loan for That

From first-time buyers to veterans to self-employed borrowers — Forest has the program and the expertise to get you home.

FHA Loans

Low down payment (as little as 3.5%) with flexible credit requirements. The most accessible path to homeownership for first-time buyers.

3.5% Down

Conventional Loans

Competitive rates for well-qualified buyers. Ideal for those with strong credit who want to minimize long-term costs and avoid PMI faster.

Best Rates

VA Loans

Exclusive benefits for veterans and active duty service members. Zero down payment, no PMI, and some of the most competitive rates available.

$0 Down

Self-Employed Loans

Bank statement loans and flexible documentation for business owners. No tax returns required on many programs — your business shouldn't hold you back.

Bank Statement OK

Reverse Mortgages

For homeowners 62+, unlock your home's equity to supplement retirement income without a monthly mortgage payment.

62+ Homeowners

Second Mortgages

Tap your home's equity for renovations, debt consolidation, or major expenses — without touching your existing mortgage rate.

Access Your Equity
The Process
Simple. Fast. No Surprises.

From first call to closing day, Forest manages every step and keeps you informed the whole way.

1

Free Consultation

Tell Forest your situation and goals. He listens first, then maps out the right path for you — no pressure, no obligation.

2

Fast Pre-Approval

Get pre-approved often within 24 hours, so you can make offers with confidence and negotiate from strength.

3

Best Rate Secured

Forest shops your loan across dozens of lenders, presents you options, and negotiates the best rate on your behalf.

4

Clear to Close

Forest manages the entire closing process. Most clients close in as little as 10 days from a completed application.

10
Days to Close
"We can get you clear to close in as little as 10 days."
That's not a goal — it's a commitment. Forest's process and lender relationships make it happen.
Start Today  →
Client Reviews
What Hawaii Families Say
★★★★★ 5.0 on Google
★★★★★
"

Forest made buying our first home in Hawaii actually enjoyable. He explained every step, answered every question, and got us closed faster than we ever thought possible.

MK
Mike & Karen T.
First-Time Buyers · Kapolei
★★★★★
"

As a self-employed business owner I thought getting a mortgage would be a nightmare. Forest knew exactly what to do and found me a great rate using bank statements — no hassle.

JR
James R.
Self-Employed · Mililani
★★★★★
"

I've worked with two other brokers before. Forest is in a different league. Responsive, knowledgeable, and he genuinely cared about getting us the best deal — not just closing fast.

TH
Tara H.
Refinance · Ewa Beach

Ready to Find Your Perfect Rate?

No pressure. No obligation. Just a straight conversation about your situation and what's possible. Forest will respond the same day.

Get a Free Quote  → Apply Online Now
Get In Touch
Let's Talk About Your Mortgage

No jargon, no runaround. Just an honest conversation about your goals and how Forest can help get you there.

Talk to Forest Directly

Forest is available by phone, text, or email. He responds the same day — because he knows your home purchase can't wait.

Hawaii Branch808-729-2166
Corporate Office949-688-6565
Online ApplicationApply at forestknott.floify.com
Emailforest@forestknottmortgages.com
Serving All of Hawaii
Kapolei · Ewa Beach · Mililani · Oahu · Maui · Big Island · Kauai · Statewide

Get Your Free Quote

Tell Forest a bit about what you're looking for. He'll reach out the same day with honest answers — no sales pressure.

🔒 Your information is private and will never be shared. Forest will contact you directly — no spam, no third parties.