Mike Arrieta

Nov 7, 2026

I’ve had the pleasure of working with Mike Arrieta on multiple transactions. He provided me timely, consistent updates throughout every transaction to ensure we made our deadlines. Most importantly, he kept our buyers in the loop every step of the way, always willing for an extra call or text to ensure they felt educated and empowered throughout the process.

Oct 11, 2026

Mike helped us close with escrow being just 25 days! Hes patient with answering all the many questions we had. And while being very informative he makes it clear to understand. I can’t thank him enough for helping our family into a home. I will recommend him to anyone I know buying a home and continue to work with him. As first time home buyers, it can be overwhelming but Mike made it a whole lot easier than we thought. From getting pre approved, to working with our agent for the offers, he works in a timely manner and just on top of it. It’s I can tell he works with the clients best interest in mind. When it came to making important decisions, such as locking in the rate or answering fha vs conventional; he took the time to walk us through our options and made sure we understood everything before moving forward. We never felt rushed or pressured which means a lot as it’s our first time Buying a home is the biggest decision we ever made. And having someone like Mike, who’s knowledgeable, patient, and dependable makes all the difference As a kid, my mom told me if anythings harder than it should be, then it’s not meant to be. Mike made buying a home easy. I would highly recommend Mike to anyone looking to buy a home. We are extremely grateful for everything he did for our family and look forward to working with him again in the future!

Sep 25, 2026

“Thank you for all you did to get this transaction to the finish line! The Steffans are super excited about their new home! It was a pleasure working with you and I definitely got your number for future clients!”

Aug 1, 2026

I've been able to work with Mike on multiple real estate transactions, and he has consistently exceeded expectations. He is incredibly knowledgeable, always responsive, and truly cares about helping clients succeed. His communication is excellent, and he keeps everyone informed throughout the entire process. Every transaction can have it's challenges, but having a lender that will navigate those challenges with you, makes it much less stressful. I highly recommend Mike to anyone looking for a lender who goes above and beyond. I look forward to working with him on many more transactions!

Jul 29, 2026

It was a pleasure working with Mike on a recent transaction where I represented the seller. He was professional, thorough, prompt, and communicated consistently throughout the entire process. Everything was handled efficiently, timelines were met, and I always felt informed on the status of the loan and closing. From the listing side, having a lender who is responsive and proactive makes a huge difference in keeping a transaction moving smoothly. I would absolutely recommend him to buyers and agents looking for a reliable lender who stays on top of the details and gets the job done.

Jul 27, 2026

Mike was a pleasure to work with! He was responsive, organized, and kept the loan process moving smoothly from start to finish. His communication was excellent, and he was always quick to provide updates and answer questions. I look forward to working with Mike again on future transactions!

Jul 23, 2026

Mike is fantastic! From start to finish he was quick to give me updates and answer all my questions. I’m forever grateful and look forward to working with him again!

Jul 20, 2026

Mike Arrieta and his team did an excellent job in helping us secure our dream house. I appreciate his honesty and directness in guiding us through this home buying process. If you are looking for a reputable lender, Mike is your guy! He’ll take care of you.

Jul 20, 2026

We worked with Mike Arrieta and had an excellent experience. Mike was communicative, proactive about getting documentation, and worked quickly and efficiently to get us to closing and our keys faster than expected. We wholeheartedly recommend Mike to anyone looking to work with an honest and reputable lender.

Jul 16, 2026

Great service: Mike Arrieta and his team made our home purchase easy with a plan in place to help us get into our dream home. He gave us options for our purchase and looked for strategies to improve our position when purchasing what we wanted. He was clear on all the questions we had and made sure we were comfortable with what we could afford. I highly recommend using Mike for your loan and refinance options.

Jul 2, 2026

People I know have used other mortgage lenders, and they testify that Mike is the easiest and fastest to work with. They like Mike's quick response and efficient work ethic to get them through the confusing and overwhelming mortgage process. Not ready to refinance? Let Mike educate you to let you know when the time is right for you.

Jul 2, 2026

Not all mortgage lenders created equal! Mike is an exceptional mortgage lender with superior knowledge, creative problem solving and responsive customer service!

Jun 17, 2026

Mike Arrieta is one of the most trusted mortgage professionals in Hawaii. He has a remarkable ability to guide first-time homebuyers through the lending process with patience, clarity, and genuine care. Mike takes the time to educate his clients, answer every question, and ensure they fully understand their options before making important decisions. His communication and attention to detail create confidence not only for his clients but also for the real estate agents who trust him with their referrals. If you're looking for a loan officer who makes the home financing process feel less overwhelming and more empowering, I highly recommend Mike to anyone looking for financing in Hawaii!

Jun 13, 2026

Very thorough and answered all our questions. Super nice friendly and helpful team!

Rate took what I initially thought was an overly complicated process and made it into one of the easiest things I’ve done ever. Everything was seamless, the communication was top notch, just 10/10.

I used them before

Mar 14, 2026

Mike was welcoming and personable from the very beginning, which immediately made the process feel more comfortable for us. Buying our first home was a big step, and having someone who was easy to talk to and approachable made a huge difference right away. Throughout the entire process, Mike was incredibly helpful and patient. He always took the time to answer our questions and explain things clearly so we understood what was happening at each stage of the loan process. As first-time homebuyers, that level of communication and transparency meant a lot to us and gave us peace of mind. He was also very responsive and always available when we needed guidance. No matter the question or concern, he made sure we felt supported and informed. His knowledge and professionalism helped keep everything moving smoothly all the way through closing. We’re really grateful for the effort Mike put in behind the scenes to help make our home purchase possible. It was clear that he genuinely cared about helping us through such an important milestone. We would absolutely recommend Mike to anyone looking for a lender who is knowledgeable, communicative, and truly supportive throughout the home-buying process.

Mike Arrieta and his team met all my expectations, stress free and expediently.

Fast and easy process with everything being online

Jan 28, 2026

I got the opportunity to work with Mike and his team on several occasions. They have been very professional, knowledgeable and just so easy to work with!

Jan 13, 2026

Mike and his team were the best I have ever worked with! From day one when I told him what my objectives were he explained in detail how he would go about meeting my goals. I was never in question of what wa going ro happen in each phase of the VA Refi I was seeking. Mike & Team thank you for your efficient and professional services.I look forward to working with all of you again.

Dec 20, 2025

MIKE was really wonderful to work with as was his team. They kept me on track and they held my hand because I get so busy so I appreciated the constant reminders to get things done :). Working with a broker is nice feels more hands on and specialized he is also very smart and has great ideas to help accomplish many of my refinance, cash out and purchase goals. I look forward to our continued working relationship. He also helped my son purchase his first home and got him a better deal/rate than the builder offered. He really looks after our best interest. Mahalo for your help

Dec 18, 2025

Mike and his team where outstanding! They made what could have been stressful feel seamless. We where very happy with this organization's professionalism and performance. We will always consider in the future and highly recommend.

Nov 9, 2025

Mike has been amazing throughout this whole process, he really eased our minds and anxiety by always be available 24/7 and answering our questions and concerns with no hesitation. If we could do it all over again we wouldn't change anything because he was the best choice we could have made to work with. We are so grateful to him because we never thought buying a home in Hawaii was even possible for us. Thank you so much Mike !

They go above and beyond with their customer service ethic

Sep 21, 2025

Working with Mike was amazing! He kept us updated and gave us different options every step of the way! He got us to the finish line quickly, unfortunately, we had a hiccup and wasn’t able to cross it early (the ball was dropped somewhere along the way, neither the fault of the us or the seller) He stayed on it though and we finally closed! I will definitely be recommending him to everyone I know that’s thinking of homeownership!

Sep 13, 2025

Another Fantastic Experience! This is my second time working with Mike, and once again, he exceeded all expectations. He first helped me in 2021 to purchase my first property, and now we've successfully closed on my second. Mike genuinely goes above and beyond to help people achieve the American dream of homeownership. He worked closely with me to clean up my credit history and improve my score, which made a huge difference. The application process was incredibly easy to follow, and his communication is always clear, detailed, and organized. I always knew what to expect and what was needed next. Mike was also readily available for any urgent matters and always made me feel like a priority. I truly appreciate his dedication and professionalism. Highly recommend him to anyone looking for a knowledgeable and trustworthy lender! Thank you again Mike! ♥️🙏

Because Mike Arrieta is awesome!!! i will have a more detailed review for him soon!

This was the best customer service I've ever experienced! Mike was always on top of his game and guided us through every step of the process. We never felt worried or unsure at any point — he made everything smooth and stress-free.

Aug 1, 2025

Responsive, knowledgeable, hustle! Mike has helped me with 3 loans. Each experience has been been flawless.

Jul 31, 2025

Mike is very helpful and responsive. He makes the loan process very easy. He’s also in your corner! His whole team is also helpful and responsive as well.

Jul 15, 2025

We spoke with several lenders, and Mike, by far, stood out as one of the most compassionate, informative, and knowledgeable people we talked to. When we first spoke with him, we weren’t even in the market yet—we were planning to wait until the end of the year, pay off some bills, save a bit more. Mike knew that, and even though we weren’t ready to buy, he still took the time to meet with us on a Zoom call, answer all our questions. He was so friendly, patient, and informative—he never made us feel like we were wasting his time. We had a lot of questions and he always responded quickly. If His communication was top-notch, which is honestly rare and really refreshing to experience—especially with something as huge and nerve-wracking as buying your first home. Before finding Mike, we had spoken with another lender who didn’t really go out of their way. Just got our info, got us a pre-approval, and answered basic questions—but it didn’t feel like there was much care or personal attention. Then we talked to Mike. From the start, he instilled a sense of confidence in us. He explained everything clearly and gave us the kind of personal attention that made all the difference. There was even a really cool app we used to transmit all information and documentation. Not long after that, our landlord told us our rent was going up by $200 a month—totally out of the blue. That was the wake-up call we needed. We had been renting for 10 years, paying someone else’s mortgage, and it suddenly felt like it was time to make a move. We found a wonderful realtor Brian Karamoto on Oahu who introduced us to Mike, and that connection sealed the deal. If we hadn’t met Mike, I probably would’ve convinced my husband to stay in the rental for another year and keep “waiting until we’re ready.” But let’s be real—we might’ve kept waiting forever. Once we made the decision to move forward, we were on a time crunch—either renew the lease or move out. I told Mike our deadline, and he made it happen. I think the whole process took about 30 days. The first few weeks were intense: paperwork, learning, planning. But it was great because there were classes and resources that really helped us understand mortgages and finances. Mike kept us informed every step of the way. We looked at six places over one weekend and found a home we absolutely loved—but didn’t think we could afford. With Mike and our amazing realtor’s help, we were able to negotiate and got the home for about $60K under asking, including seller credits.Mike helped us use the credits in the smartest way possible—paying off some expenses and covering our HOA fees through February, which was huge for us as we adjusted to the new mortgage. There were a few stressful moments, like when we needed condo documents and the person in charge was out on vacation. But Mike, our realtor, and their teams stayed on top of it. They made all the calls, tracked everything down, and kept us on track—right down to the wire. We were able to move in, clean out our old place, and transition smoothly. What really makes Mike stand out—even beyond his skill and professionalism—is that he genuinely cares. He didn’t just want to get the job done; he wanted to make sure we had a roof over our heads, felt confident and informed, and were set up for success. It wasn’t about the paycheck. He took the time to build a relationship with us, and I feel 1000% confident that if we ever buy again, or sell, or just need advice for refinancing, he’ll be there. This might be our forever home—or maybe not—but without Mike, we wouldn’t be here today. We would still be renting, still waiting to feel “ready,” and who knows how long that would’ve lasted. We are so grateful for his help, kindness, and dedication. It’s rare to find someone in any industry who puts your wellbeing first. He truly wanted to help us succeed—and we truly appreciate that.

Jun 17, 2025

I was just able to purchase my first home, and it would definitely have been more frustrating and costly without Mike's expertise. I liked that he communicated very openly with me, and that he was always avaliable, responding quickly to questions despite the time zone difference of three hours. His deep knowledge and optimistic demeanor were also very reassuring to me as a first-time homebuyer, and the experience seemed much less crazy/hectic than I had anticipated it would be. I also really liked that he was very transparent about the entire loan process, such as fees, the projected market situation, and, importantly, how realistic your expectations are regarding what you may think you can (or can't!) afford. I will definitely continue to consult Mike along my home equity-building voyage through life, and I would definitely also recommend him to friends and family. Tl;dr - Mike is knowledgeable, honest, available at pretty much all realistic times, pleasant to work with, and advocates for you as a consumer. Mike, if you're reading this, THANK YOU for everything!

Jun 13, 2025

Mike was super helpful. He went above and beyond to help my husband and I purchase our home. We will be forever grateful ☺️

Jun 4, 2025

Mike was awesome. 👏 He made it super easy and simple getting my loan and got me best rate he could. Highly recommended. He helped me every step of the way and made process super easy.

Jun 4, 2025

Mike was very help to my family and I during this process in purchasing a home. He was always available to answer our questions via phone or text. We were blessed with him and his team, a heartfelt thank you to him and his team. The process went smoothly because of his hard work and dedication. We’re grateful for him!

May 28, 2025

Mike gave me all of my options, details, payments and EXACT numbers through my entire loan process. I've applied for 2 mortgages in my life prior to now and this one was by far the easiest and fastest. The entire process from application to funding only took about a week and was all online. Mike even called me once he saw I was funded to make sure I was satisfied with every step. 100% recommend Mike for a new loan, mortgage or second mortgage. Thank you!

Mar 26, 2025

Mike Arrieta made it possible for us to own a home. He is quick to respond and great to work with. I highly recommend Mike and his team to take care of your borrowing needs.

Mar 19, 2025

mike works above and beyond, he made my dreams come true. prior to meeting mike I tried to get pre-approved from a loan officer who didn't even texted me back after finding I wasn't approved. But mike and his team works really hard for me to get through from getting pre-approved to getting OUR DREAM house finally. The process wasn't easy and it get harder at the end but mike make sure and give me that HOPE that I really need at that point. I would highly recommend him to anybody need financial assistant. thanks mike for all you do. God bless you and your family.

Feb 4, 2025

Mike was very patient with us in the beginning, even when we weren’t actively looking and just looking for guidance. He was very easy to work with and worked very fast when we wanted to put in offers and when we finally got approved.

Feb 2, 2025

From the moment we made our offer on our first home, the seller was eager to close as quickly as possible, so we had to find a lender fast! Before meeting with Mike, I had received a loan estimate from another lender and was almost ready to commit. But something urged me to check my options, and I remembered Mike, an old colleague of mine. I decided to reach out to him, and he reassured me that he could help save me money in many ways! I shared the estimate from the first lender with Mike, and guess what? He saved me $12,000 in closing costs and offered a slightly lower rate than what I was originally quoted. Mike was so patient, answering all my questions about the loan estimate with clarity. Throughout the entire process, both Mike and Alysia, our underwriter, made everything so simple to understand, and their communication was fantastic. I want to thank Mike and his incredible team for helping my family and I turn our dream of owning a home into a reality!

Great group of people. They worked very quickly to give me the best loan possible. Great communication and friendly, responsive staff.

Jan 29, 2025

Mike and his team were great. Helped me through and ease my anxiety securing my loan. Also being from mainland, he connected me with local home insurance company that gives me good chuck of savings to insure my homes.

Jan 27, 2025

Mike we really appreciate your honesty and time you spent to help us with our new home. You’re the best thank you 🙏.

Jan 23, 2025

Mike was very helpful when we got our house in Vegas! Very personable and communication was great!

Jan 22, 2025

We purchased a townhome a few years ago in Las Vegas and Mike and his team was there for us every step of the way! Although we were in Hawaii and he was in Las Vegas, he was always available thru text or phone call and made the process seamless. Mahalo Mike🤙🏼

Jan 22, 2025

Working with Mike was amazing! We had an incredibly fast close and everything went smoothly! He made sure to keep us informed and was so patient answering any questions about things we didn’t understand as first time homebuyers. He was always available to meet with us if we needed clarification and was kind each time we talked to him. Couldn’t recommend him enough, he made our home buying process quick, easy, and enjoyable! We are so grateful for Mike and his whole team!

Jan 22, 2025

Mike and his team at Rate are amazing! They made us feel at ease answering all our questions. Even after closing and moving into our new home, we still feel comfortable reaching out to Mike if needed. They’re always quick to get back to you and explaining everything step by step to make sure you understand everything throughout the whole process. They’ll work with you to get the best deals out there. Super thankful for the team at Rate and appreciate all their hard work. Definitely recommend them for your next Home loan!