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Chip Johnson

VP of Mortgage Lending
98-199 Kamehameha Hwy, Unit C-01, Aiea, HI 96701
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NMLS: 1415304
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Chip interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I’ve been in the mortgage business here in Oahu for a little over a year. I was inspired to get into the business when a close friend helped me utilize my VA home loan benefit to purchase a home in Waikele which set me on the path to financial independence. Now, I want to help others attain home ownership in Hawaii and other states as well!
What advice would you give new or first time home buyers?
Without a doubt the best advice I would give a first time home buyer is to be patient, make sure to get all documentation in order and throughout the process ask as many questions as possible. Be informed!
What part of the home loan process do customers find most difficult and how do you help them through it?
Most customers find collecting their documentation the most difficult part of the process. From tax returns to bank statements and pay stubs, the documentation portion can be intimidating, and in some cases frustrating. My advice is to be patient and ask questions. As a first time buyer, you cannot ask enough questions!
Summary of where you grew up: family, affiliations, college, high school, etc.
I’m just a small town boy from a small town world in south Mississippi who was fortunate enough to come home to Oahu. My parents raised me with southern values and the stern belief that a handshake and your word were more valuable than written contracts. I carried those values with me through 26 years as an active duty Colonel in the Air Force, but, I never forgot my roots. When I relocated with the military to the beautiful Hawaiian islands, I brought these same small town family values of “a handshake and your word” with me, and I share them with each and every customer.
Tell us something that makes you unique or something wacky, yet interesting about you?
My friends here in Hawaii call me “Nomad Eagle” because I have traveled so much with the military. The reference to “Nomad” is because over the past 2 years airport lounges have maintained reserved seating exclusively for me and “Eagle” as a reference to my Air Force rank. Although I was born in Mississippi, I have finally come home to the Hawaiian islands. In my new tropical surroundings when I am not riding point helping customer attain home ownership, I’m cruising on my chopper around Oahu or riding a golf cart on the nearest golf course I can find. When the chopper or golf is not suiting my mood, I can be found with a cigar and Jack Daniels keeping me company. Carpe’ Diem!

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