About Me

I have  a better picture, more experience and education than most of the people you will meet in the business with over 28 years of experience in the finance and real estate industries. I truly enjoy helping people find the best mortgage financing solutions for their needs.  Most of all, I understand that your time is valuable and I can offer tailored, personalized mortgage assistance in Hawaii.

I grew up in Southern California and was raised in real estate.  My parents were both brokers and licensed since the 1970’s.  After graduation from the University of California, Irvine, I dove into the industry full speed in 1990. working in several facets of the real estate industry and eventually finding my passion in mortgage lending. From Escrow to real estate sales to mortgage processing and underwriting, I have been involved in every aspect of the business and, in particular, the Hawaiian landscape since 1997.  I strive to take care of your financing the same way I would take care of my own and I have high expectations and I know Hawaii.

These days you need someone to help you understand the entire picture and offer you pertinent advice.  The internet is great, but having someone who will take care of you through the whole transaction and beyond is the benefit of working with me.  I also offer you the most competitive rates in the industry and the absolute best customer service.  Call me today!  I look forward to assisting you with your real estate financing needs.



Virginia L “Ginger” Thomas NMLS 304616




Mortgage Service

Buying a home or refinancing  is one of the most important decisions you will make in your life. I offer personal service and walk with you every step of the way.  I will make sure that you understand every option that is available and assist you in making the best decision by providing you with the information and answers you need -in essence, helping you navigate the mortgage waters.


Our Clients

Our Clients

Our Clients

My clients value personal attention from an experienced, customer service oriented professional. They are sophisticated, smart shoppers and I understand what they need and expect...    See what they have to say... 


"Working with Ginger to arrange a new mortgage was a pleasure!  She is prompt, professional, and accurate."

-Jim & Maggie McCleery, Kailua-Kona

“Ginger, I wanted to say thank you and I enjoyed working with you through the whole process!  Thanks again."

- Rollin Estes, Waikoloa

"Ginger helped us make our dream of owning a home in Hawaii come true. Throughout the entire process she kept us informed and really gave us peace of mind during this stressful process. We can't thank her enough for helping us get the best interest rate possible, while making sure it suited our budget. We will definitely use Ginger again for all of our future mortgage brokerage needs! Sincerely satisfied!"

-James and Sarah Govier, Kailua Kona

“Thanks Ginger.  You've been terrific and in fact, it seemed to me that you were doing your job and a couple of others!  There were times that I felt badly that you got stuck with me (and my situation).  But you always took a difficult situation and figured a way through it. I look forward to catching up! Cheers!" 

- Dale F., Hong Kong

"I have had the pleasure of working with Ginger a number of times over the past nine years. She is professional, efficient and extremely motivated to help her clients figure out the best solution...for any given situation. When working with Ginger, I have always felt that she genuinely cares and wants to help whomever she interacts with achieve the best possible outcome."

-Karlyn Pipes, Aquatic Edge Swimming

“Ginger (Allstar Mortgage) goes over and beyond what you would expect from a mortgage broker. I worked in the real estate industry for years and she is by far the best I have ever worked with. I used her services for my refinance and now a new construction loan and didn’t have to worry about a thing. She has been on top of everything and her attention to detail and customer service surpassed my expectations. She will get you the best possible rate and close your loan fast! She is both knowledgeable and experienced. I have already referred her to my sister and I will continue to refer her to my family and friends. I highly recommend Ginger for all your home financing needs!”

-LeeAnne Greeson, Solar City Representative, Kailua Kona

"When you are looking for a mortgage broker you want someone who is fast, knowledgeable and flexible.  I have been using Ginger since 2000 and she has financed and/or refinanced all of my homes.  She is always looking out for my best interest (pardon the pun) and she is always one step ahead of the game.  Mortgages have changed a great deal over the past decade and Ginger has consistently delivered quality customer service and great advice.  Thanks for all your help, Allstar Mortgage!"

-Matthew M. Graves, AIA

"Hey Ginger, just wanted to double thank you for everything..... you were such a difference in my life and helped me so much..... you were the knife itself cutting through all the paperwork and headaches dealing with the loan and complications....you also are sharper than the knife in the drawer and never had a dull sense of humor.....I never could of made this happen without you and Ron's guidance....hard to find people who do their job like you and Ron and I find myself so blessed that through the processI remained under your wings for a smooth ride......always the best to you and mahalo for everything...with much aloha."

-Jan from Kona

"Hi Ginger, we are finally settled in.  Just wanted to let you know how much we appreciated all that you have done for us.  Steve is so happy now! You are not just some broker looking to make money...you actually care about people and want to make their dreams come true..."

-Jennifer and Steve, Waialua, Oahu

"Dear Ginger,

Thank you for your excellent service on our mortgage! We were so pleased with your level of service and get-it-done style. You took the worries away from us in what could have been a very stressful process.  As we were considered foreigners (Canadian), buying a Hawaii home had extra challenges. We were really impressed with how well you knew the steps to getting this very specific mortgage done. You seemed to easily navigate all challenges and kept our worries minimized.  In the end, we have a dream home in Kailua-Kona with an ocean view. We are happy to point our friends your way when they're buying homes. "

-Randall Shirley & Denni Danieli-Polloni, Kailua Kona

Aloha Ginger,

 Facebook is reminding me that it's been 3 years since I retired and moved to Hawaii. Sylvester and I love living here, and especially our condo and our complex. Our most recent neighbors have this crazy story about moving to the island and their home purchase falling through, having to live in a noisy vacation complex for awhile, then having to liquify assets to purchase with cash because they couldn't get a loan. It makes me so thankful that I found you - when my own bank wouldn't give me a loan because the condo wasn't expensive enough, and a local bank would have charged a WAY higher interest rate. My real estate agent said something like "I hear there's a 'Ginger' who people say can do it (get a good loan when I was getting frustrated)." Yup, you're known in our complex for getting the job done. And I'm glad I continue to see you in the community, especially at the canoe club. Happy paddling!