Headshot of Sonya Spitznas

Sonya Spitznas

Loan Officer

Honolulu, HI Mortgage Lender

NMLS #1960592

3555 Harding Ave, Suite 100
Honolulu, HI 96816
Contact Methods
tel Phone
(808) 451-3531
fax Fax


About Sonya

As a dancer for most of my life, I know the commitment it takes to achieve something while also enjoying the journey. That is why learning the details of your unique situation is my number one priority. It puts us on the path to an enjoyable home financing experience!

As a consultant, I am committed to helping you make the best decision on a loan program that is right for you. When you come to me for your mortgage, I begin by listening. That is how I can structure your ideal home loan — by understanding your goals and priorities. You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan. I offer a wide range of loan programs, from FHA and VA to conventional and jumbo. Together, we will find the one that meets your individual needs.

Sharing information is just as important as listening, and communication is key. I am dedicated to keeping you informed as your mortgage progresses and being available to answer your questions every step of the way — from application to closing and beyond.

I grew up in Westchester County, NY and have over 10 years of NYC real estate experience. I graduated with a BA in International Studies and have traveled all over the world. I enjoy experiencing various cultures and developed a passion for learning about people and helping them achieve their goals. Let me apply that enthusiasm to your home loan!


  • Purchase and Refinance

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.

Helping your home financing process go smoothly.


  • The Mortgage Process

    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.

  • Payment Calculator

    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.

  • Find the Right Loan

    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.

  • Home Loan Check List

    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) 451-3531