Meet Wendy Oshiro

For Wendy Oshiro, reverse mortgages are more than numbers and loan programs — they are deeply personal.


With over 18 years of specialized experience, national recognition, and a heart rooted in service, Wendy has become one of Hawai‘i’s most trusted guides for seniors exploring the role of home equity in retirement.


Wendy believes that the heart of her work is simple:
 Serve people with compassion. Empower them with knowledge. Honor them with aloha.

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Couple smiling in front of a backdrop of white branches and glowing lights.
Woman with dogs on a sunny beach, holding a drink. Mountain and ocean in the background.
Woman sitting on rock, overlooking ocean and two small islands at sunset.

A Journey Shaped by Family

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Wendy’s commitment to this work began long before she became a Certified Reverse Mortgage Professional (CRMP). Years ago, Wendy’s parents suddenly lost their independence, and her family faced complex decisions about care and housing. Without fully understanding their options, Wendy chose to sell her parents’ longtime home — a choice that carried emotional and financial effects that stayed with her.


That experience changed everything.


It opened her eyes to how powerful — and life-changing — a reverse mortgage can be when families have the right information, the right guidance, and someone willing to take the time to walk through every detail.


Today, Wendy channels that personal experience into her mission: to ensure no family has to make decisions in confusion or uncertainty.


Wendy’s Mission

Wendy’s work is rooted in three core values:

  • Aloha

Serving every client with sincerity, kindness, and respect.

  • Clarity

Giving people the information they need — without pressure — so they can make confident decisions about their future.

  • Community

Uplifting Hawai‘i’s kupuna, families, and local organizations through education, service, and connection.

Deep Roots in Community & Aloha


Wendy enjoys being active in her community. Previously she worked with youth as a math tutor, a soccer coach and Sunday school teacher. She delivered for meals on wheels for 11 years and continues to assist various nonprofit organizations with their fundraising efforts. 


She has served on boards for community organizations, trade groups and church. Wendy currently serves as Secretary of the Honolulu Board of Realtors Leeward Regional Group, is a Director of the Kailua Chamber of Commerce board and enjoys greeting with her husband at Metro Christian Church.


Her involvement reflects her belief that strong communities are built on connection, service, and shared purpose.

Volunteers at a Kidney Walk check-in table wearing orange shirts. Banner says
Volunteers at a Kidney Walk check-in table wearing orange shirts. Banner says
Heart-shaped sugar cookies decorated with sandy beach, blue waves, and
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In addition to her work with seniors and families, Wendy loves finding ways to bring joy to others. In 2024, she launched Heartmade by Wendy, a small island-inspired cookie and treat business featuring decorated sugar cookies and truffle popcorn. What began as a creative hobby has grown into a frequent contributor to local fundraisers, including events for the Boys & Girls Club of Hawai‘i.


She also founded a long-standing professional coffee networking group, bringing people together to build relationships and uplift one another.


When she’s not working or volunteering, you’ll likely find Wendy:

  • Baking treats
  • Hiking island trails
  • Supporting community events
  • Enjoying time with her husband and their beloved dog


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Professional Expertise You Can Trust


With nearly two decades in the reverse mortgage industry, Wendy has become a respected voice both locally and nationally. Her experience includes:


  • Certified Reverse Mortgage Professional (CRMP) - Recognized as one of only a few local professionals with that designation.
  • 18+ Years of Experience - Serving seniors, families, and professionals across Hawai‘i.
  • Part of a Highly Experienced Team - Wendy is part of a local tea with more than together bringing more than 35 years of combined reverse mortgage expertise.


Featured by National Industry Leaders

Her insights have been shared in:


Respected Presenter & Educator


Wendy regularly speaks for:

  • Professional groups
  • Community organizations
  • Financial and retirement workshops


Her education-focused approach ensures clients, Realtors, financial planners, and families fully understand their options before making any decisions.


Whether you’re a senior exploring your retirement options, a family supporting aging parents, a Realtor, or a financial professional, Wendy is here to guide you with experience, compassion, and an unwavering commitment to doing what’s right.