In 2006, Ed and Bernie stepped out in faith and started Solid Rock Home Loans, with a vision to bring honesty and excellence to the mortgage lending in Hawaii.  

In 2019, Solid Rock Home Loans celebrates their 13 year anniversary having the honor to help many families dreams come true through homeownership. 

Ed and Bernie each have over 25 years in Hawaii’s mortgage industry, working for local and national banks in various mortgage positions.  Bernie has a background Loan Underwriting and helps oversee the Compliance and Finance.  Ed is responsible for the overall operation, with impetus in business development and leadership.

Ed and Bernie enjoy time with their family, traveling, and outdoor activities. 

Our newest team member is Felix Tan Jr.  Felix is a Loan Officer who is passionate to help people buy homes.  He is currently an administrator/Pastor at Calvary Chapel West Oahu.  He has been a pastor for approximately 14 years.

Felix enjoys spending time with his family and golfing. He is an Army veteran. 


Felix Tan Jr.

Loan Officer

NMLS 1734935


Ed Smith

Sr. Loan Officer

NMLS 327781


Solid Rock Home Loans, Inc. is powered by:

Our faith in Jesus Christ.