Kaimana is a mortgage rate comparison tool that uses artificial intelligence to generate personalized rate estimates. Kaimana is operated by Colton Elliott. Kaimana is not a lender, bank, or mortgage broker. We connect you with licensed loan officers who can provide binding rate quotes and process your loan application.
The rate comparisons and savings estimates shown on this site are generated by artificial intelligence based on the information you provide and publicly available market data. These are estimates only and do not constitute a commitment to lend, a loan offer, or a guarantee of any specific rate. Actual rates may vary based on your complete financial profile, property details, and market conditions at the time of application.
Using Kaimana does not create a lender-borrower relationship. No loan application is submitted through this site. If you choose to connect with a loan officer, any lending relationship is between you and that licensed professional, not Kaimana.
While we strive to provide accurate market comparisons, mortgage rates change frequently. The rates displayed may not reflect real-time market conditions. We make no warranty regarding the accuracy, completeness, or timeliness of rate information.
Program Name: Kaimana by Kama'aina Mortgage Group
By submitting your phone number on kai.mortgage, you consent to receive SMS and MMS messages from Kaimana related to your mortgage rate comparison, including your personalized quote, rate updates, and follow-up reminders.
Opting out of SMS will not affect your ability to view your quote online. Carriers are not liable for delayed or undelivered messages.
Kaimana is provided “as is” without warranties of any kind. We are not liable for any damages arising from your use of this service, including reliance on AI-generated rate estimates.
Any disputes arising from the use of Kaimana shall be resolved through binding arbitration in the State of Hawaii, under Hawaii state law. By using this service, you agree to waive your right to a jury trial.
These terms are governed by the laws of the State of Hawaii, without regard to its conflict of law provisions.
Loan officer referrals are made to Richard Taylor, NMLS #1603145, Kama'aina Mortgage Group Inc. (NMLS #1276471). Licensed mortgage loan originator. Equal Housing Lender. All loans subject to credit approval.
We reserve the right to update these terms at any time. Continued use of Kaimana after changes constitutes acceptance of the updated terms.
Last updated: February 2026