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What we value...

On Realty Home Loans has direct marketing customers from 37 states.

Our focus on personal and ethical service has yielded a loyal customer base; over half of our retail business comes from referrals from satisfied customers.

"Our most important asset is Our Clients."
  Jonathan Hirai, On Realty Home Loans

Founders Bio

Jonathan:  Over the past 15 years Jonathan has been an insurance professional and most recently a successful Mortgage and Real Estate Broker and Banker.  Jonathan enjoys helping people understand and pursue their real estate dreams and financial objectives.  Additionally, Jonathan is involved in developing Green Homes utilizing renewable and sustainable building products for homeowner desiring a more economical and aesthetic living environment.  Jonathan is a member of the California Association of Mortgage Brokers, National Association of Realtors (NAR), Marin County Association of Realtors (MAR), the San Francisco Association of Realtors(SFA), the Contra Costa Association of Realtors(CCAR) and the Fresno Association of Realtors.  Jonathan resides with his with and teenage children in Marin County California.

Christopher:  For nearly a decade Chris has been a professional mortgage originator.  Chris has an advanced understanding and experience in pre-underwriting processing, additionally, he has been responsible for 100 of millions of dollars in loan transactions, helping both the affluent client and those homeowner’s just starting out.  Chris enjoys making the complex and frustrating processing of home financing simple and easy.  A parent to 3 very bright and beautiful daughter’s Chris enjoys his family and the vitality and enjoyment they bring to his professional life.

Jonathan and Christopher believe that success lies in putting others’ needs first.  Collectively, they believe that many Banking institutions and Mortgage companies place too much emphasis on products and profits at the expense of service.  At On Realty Home Loans, the core emphasis is on helping people chart their life’s important decision points concerning home ownership, investing and mortgage planning with objectivity and certainty.

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