Cindi Pojas Smith

NMLS 525983


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Cindi Pojas Smith has been in the mortgage industry since 1991 and loves that each borrower’s scenario is different, whether a first-time home buyer, someone upgrading to a larger property, refinancing, or looking for an investment property. Cindi works tirelessly to come up with the best plan and is gratified by her customers’ happiness and satisfaction. As one such client writes:“Mahalo for making our dreams come true with such ease and for being a blessing to all of us. We are forever grateful to you for making this happen… Thank you, Cindi!!!”

Kim Macadangdang

NMLS 543070


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It’s not just a job for Kim Macadangdang; she sincerely enjoys helping customers obtain a home they can call their own. And she’s been successful at it since 2013 when she joined Central Pacific Bank’s Home Loans Division. She says the key is educating the client, while treating them how she herself would like to be treated. A satisfied client writes: “We thank you from the bottom of our heart for giving your Very Best in assisting us toward [acquiring] a new home loan this year. We greatly appreciate your Huge efforts in our situation… We will highly recommend your services. You are amazing!”

Carol Ann Takeuchi

NMLS 685875


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With a passion for exceeding expectations, Senior Mortgage Loan Officer Carol Ann Takeuchi is so much more than your average loan officer. She earned Bachelor’s and Master’s degrees in education from the University of Arizona and began her professional mortgage career in 1984.  This includes valuable experience working at the Department of Hawaiian Home Lands (DHHL). Carol’s knowledge of DHHL gives clients confidence as she meticulously matches them with the best options to fit their unique needs. Driven by a deep commitment to success, Carol enjoys getting to know her clients and their families and works to build trusted relationships and lasting memories, ensuring they enjoy the journey as much as the destination of homeownership.