Mary Joe Sato

Branch Manager

NMLS# 50726

30+ Years of Mortgage Experience

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     As Branch Manager, Mary Joe oversees all activities at the branch and serves as its liaison to agencies such as the Department of Hawaiian Home Lands & the Department of Veterans Affairs. She leads her office team by example, personally meeting with customers. She prides herself on displaying an understanding of loan products, underwriting requirements, conventional and governmental loans. She is dedicated to using her 30+ years of professional experience in the mortgage industry to give you the information and guidance you need to feel confident about your home financing choices.

          "I have over 30 years of experience in the mortgage industry and have the ability to do a wide variety of traditional loans including FHA, VA and USDA. However, over the years I have developed a specific expertise in doing federally-insured loans. I love being a loan officer because it provides me with the opportunity to help people."  

          "Along with being a Branch Manager, I am busy by my family; my husband, Robert, and my two daughters. As often as possible I go hiking and enjoy weekend bbq's just to keep things interesting."


"My family means everything to me and the strength of my two daughters has enabled
me to have more focus on my career. I dedicate my success to them."