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Let's Get you Started with Your
Homebuying and Homeowner Consultation
from the Home Loan Headquarters Team!

Whether you think you are ready in 2 days, 2 weeks, 2 months, or 2 years. 
Our consultations allow you to start your planning now.

Step 1: Watch the welcome video from the Creator and Executive Director on behalf of the Team:

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Step 2:  Read the consultation instructions below:

How Our Consultations Work:


Hello, and thank you for considering Home Loan Headquarters as your trusted advisors and mortgage professionals! All I can tell you from the start is, WE ARE DIFFERENT.

We conduct our Homebuying or Refinance Consultation with you 7 days a week, around your work and life schedule, and from the comfort of your own home via Zoom, Google Meet, or Microsoft Teams. You could be our neighbor, and we will still tell you to meet us virtually. 😊 This service is free and is what we consider vital for your homebuying or refinancing plans.


Without needing to provide sensitive information, you will receive:

1. All financing options available to you based on your needs/wants.

2. A ballpark assessment of your debt, credit, income and assets.

3. Max qualifications for the type of properties you are shopping for.

4. Your Comfort Zone for what you want to spend per month, desired cashflow, and any other financial scenarios.

5. Your desired purchase price range determined by your Comfort Zone and financing options.


All we will need from each borrower during the consultation is:

1. One month of income calculations (have your income statements and #s available). If self-employed, have your taxes handy with you to read info.

2. A list of your minimum payments to all your debt, to include any housing expenses you pay if you own property.

3. What you know your credit score is, the last time you saw it, and how.


That’s it! We ask that you join us on the biggest screen you have so we can share comprehensive information on screen. You will also walk away with a copy of your Homebuying / Refinance Qualification Worksheet. I also recommend that anyone significant in your homebuying or refinancing decision also be present during our meeting.

We look forward to scheduling with you! ~Home Loan Headquarters Team!

Step 3:  Schedule your free 1 hour consultation today!

Learn about your Home Loan Consultants!

Sonya K. Spitznas

"Integrity, communication and education is what I strive for when it comes to assisting homebuyers as they start their journey in securing their home and their family’s financial future. I am committed to understanding your goals and priorities and helping you make the best decision on a loan program that is right for you, keeping you informed throughout the process, and answering your questions every step of the way. We offer an array of programs that will meet every individual and family’s unique situation and needs."

Sonya entered the residential mortgage profession with over 15 years of expertise in NYC and Hawaii real estate. Sonya grew up in Westchester County, NY and have a BA in International Studies. She has
traveled to 20 countries so far and even lived in Asia for a few years. She enjoys experiencing various cultures, food, languages and developed a passion for learning about people and helping them achieve their goals. She also has danced most of her life and she knows the commitment it takes to achieve something while also enjoying the journey. Allow Sonya to apply that enthusiasm to your home loan!
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Olivia Borges

"With over 20 years of experience in the real estate and lending industry, I bring a deep, well-rounded understanding of the homebuying process and a genuine passion for helping individuals and families achieve their financial and homeownership goals."

Olivia began my career in 2000 in the Title Insurance industry, where she developed a strong foundation in contracts, compliance, and ensuring smooth closings. In 2012, she earned her real estate license, and in 2014, she became a licensed Mortgage Loan Officer — allowing her to combine industry insight with personalized lending strategies to support clients at every step of their journey.

In 2024, she proudly graduated from Purdue Global University with a Bachelor of Science in Professional Studies – Leadership, further strengthening her commitment to professional excellence, communication, and service-driven guidance.

Beyond my professional career, Olivia is deeply involved in community outreach. She has supported several non-profit organizations and previously led a local non-profit in the California community where she resides. Giving back and empowering others has always been at the core of her values.

Olivia is also a proud mother of two adult sons and a devoted dog lover. Family, compassion, and integrity guides everything she does - both personally and professionally.

"If you’re looking for a loan officer who truly understands every angle of the homebuying process and leads with heart, clarity, and expertise, I’m here to help you navigate your next steps with confidence."


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Jennifer Alegre

Jennifer is a dedicated Mortgage Loan Officer driven by a genuine commitment to helping others succeed in their homeownership journey. While relatively new to the broker side of the industry, Jennifer brings 2 years of experience as a Mortgage Loan Originator at Navy Federal Credit Union. Prior to Navy Federal, she also worked at Service Credit Union in Germany and Desert Schools Federal Credit Union in Arizona, totaling over 10 years of banking and customer service experience. Throughout her career, Jennifer has gained valuable experience in originating and processing a variety of loan products, always with a focus on outstanding customer service and personalized care.

Jennifer was born and raised in the beautiful mountains of Northern Arizona and currently resides on the Island of Oahu in Hawaii with her family. As a Military Spouse and mother to 3 young children, she understands the importance of resiliency, efficiency, and clear communication and strives to make those qualities a top priority in her work. Jennifer values her clients' time and is committed to ensuring a smooth, streamlined process from start to finish.

Outside of work, Jennifer enjoys creating lasting memories with family and friends, traveling, going to the movies, and experiencing new restaurants and outdoor activities.
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Alexis De La Paz

My name is Alexis De La Paz, I was born and raised in Passaic, New Jersey. I’m currently a resident of Hawaii and have been here since 2008. I have had the privilege to serve the United States Army as a Chief Warrant Officer for 20 years, navigating through a plethora of situations. Those experiences have allowed me to gain a few attributes such as being adaptable, decisive, analytical, and a team player among many other things.

I hold a Master’s degree in Business Administration (MBA), A Bachelor’s degree also in Business Administration (BSBA), I’m a Black Belt in Lean Six Sigma, and I hold a wide variety of leadership development courses completed through the military.

I look forward to entering this new and exciting industry with a goal of touching lives in one with the most exciting decisions of their lives.
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Rick Yniguez

Executive Director and Creator

"My Team comes before me, while I "Lead From the Front."

About me:  "I have mastered the ability to make accurate, timely and practical decisions regarding the lives of those I encounter. I carried these traits into the mortgage world and devote myself every day to being a positive impact on both the homebuyers I serve for, and the Teammates I support."


Rick Yniguez is the Executive Director for Home Loan Headquarters. He was born and raised in Los Angeles, California and has been a resident of Hawaii for over two decades. He entered the residential mortgage profession in 2019 and previously served 23 years in the United States Army, where he operated in countless strategic assignments and critical organizational environments. Rick’s management experience in the mortgage industry consists of a Program Director, two Branch Manager positions, and most recently as a Hawaii Area Manager.

Rick holds a Master’s degree in Business Administration with a concentration in Quality Management (MBA-QM), a Bachelor’s degree in Business Administration (BSBA) and a wide variety of leadership, professional development, and operational course completions. He is a Certified Veterans Loan Specialist (CVLS) with the National Association of Mortgage Brokers (NAMB).

"We Are Different"
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www.HomeLoanHQ.org
www.HomeLoan360.org
www.VALoanAcademy.org
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1050 Queen Street, Ste 100, Honolulu HI 96814.
Home Loan Headquarters, Home Loan 360 Training Vault, and VA Loan Academy are registered trade names of Hawaiian Islands Professional Panel of Experts.   All rights reserved.  

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