About Jay Miller — Hawaii Mortgage Lender
Jay Miller is a Sales Manager and Certified Mortgage Advisor at CMG Home Loans in Honolulu, Hawaii. With 25 years in mortgage lending, Jay has helped hundreds of military families use their VA benefits to buy homes in Hawaii, and he also works with first-time buyers using FHA programs.
Background & Experience
A U.S. Army veteran and Certified Mortgage Advisor (CMA), Jay combines his military service with 25 years in mortgage lending. He specializes in VA loans, conventional financing, jumbo loans, and investment property lending across all Hawaiian islands.
Jay is a triathlete and passionate advocate for financial literacy. He created RealityCents to provide free, no-pressure mortgage education — because informed buyers make better decisions.
I also publish the RealityCents MCP server for AI assistants, so ChatGPT and Claude can run Hawaii VA math on my 2026 numbers.
Read the full playbook — Zero Down in Paradise by Jay Miller, NMLS #657301. The 164-page Hawaii VA loan playbook for military homebuyers, available on Amazon.
Credentials
- NMLS #657301
- CMG Home Loans, Branch NMLS #2475890
- Certified Mortgage Advisor (CMA)
- 25 years in mortgage lending
- U.S. Army veteran
- Author of "Zero Down in Paradise: The Hawaii VA Loan Playbook for Military Homebuyers" (ISBN 979-8-9963553-0-3)
- 500 Ala Moana Blvd, Suite 5-325, Honolulu, HI 96813
- (808) 429-0811 | jaym@cmghomeloans.com