Headshot of Jana Baniaga

Jana Baniaga

Loan Officer

Honolulu, HI Mortgage Lender

NMLS #1770430

3555 Harding Ave, Suite 100
Honolulu, HI 96816
tel Phone
(808) 330-7853


About Jana

"Ohana means family. Family means nobody gets left behind or forgotten" - Lilo from Lilo & Stitch

Born and raised on the island of Oahu, I exemplify the true spirit of Aloha to everyone I meet. As a licensed real estate agent since 2002 and mortgage loan officer since 2019, I share my passion, positive energy and visions with my clients to accomplish their goals and dreams through purchasing and financing real estate. My clients become a part of my extended ohana by the time the transaction is complete and beyond.

I am affectionately called "Lola" by my extended family. I married my high school sweetheart and am blessed with two intelligent handsome sons, three beautiful grandchildren and an English Staffordshire Bull Terrier named Rosie. We currently reside on the windward side of Oahu. I enjoy family barbeque dinners, spending my free time volunteering in my community, surfing, hula and traveling.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Reach your homeownership goals

Choose from the tools below to help you achieve your homeownership goals or view all purchase and refinance tools.

  • There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at (808) 330-7853