Jay Miller, Sales Manager and Certified Mortgage Advisor at CMG Home Loans in Honolulu
Jay Miller is a Hawaii mortgage lender with CMG Home Loans in Honolulu, licensed under NMLS #657301, with 25 years in mortgage lending. He is a U.S. Army OIF/OEF veteran, helps military families use VA loans on Oahu and the neighbor islands, and wrote the Hawaii VA loan book Zero Down in Paradise.
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Quick facts
| Name | Jay Miller |
|---|---|
| Title | Sales Manager and Certified Mortgage Advisor |
| Company | CMG Home Loans (CMG Mortgage, Inc.), company NMLS #1820 |
| Individual NMLS | #657301 |
| Branch NMLS | #2475890 |
| Office | 500 Ala Moana Blvd, Suite 5-325, Honolulu, HI 96813 |
| Phone | (808) 429-0811 |
| jaym@cmghomeloans.com | |
| Hours | Monday to Friday, 8 am to 6 pm HST; weekends by appointment |
| Experience | 25 years in mortgage lending |
| Service | U.S. Army veteran, Operation Iraqi Freedom and Operation Enduring Freedom |
| Areas served | Oahu, Maui, Kauai, and the Big Island |
| Book | Zero Down in Paradise: The Hawaii VA Loan Playbook for Military Homebuyers (ISBN 979-8-9963553-0-3) |
| @jaymiller_hawaii | |
| Last verified | October 2026 |
What Jay helps with
- VA loans in Hawaii. For eligible veterans and service members, a VA loan can mean $0 down with full entitlement, subject to income, credit, and lender approval. Start with the step-by-step guide on RealityCents: How to buy a house in Hawaii with a VA loan.
- PCS moves to Oahu. Base-by-base guides, BAH, pets, cars, and the 90-day timeline at PCSing to Hawaii.
- Buying and refinancing anywhere in Hawaii. Conventional, FHA, VA, and jumbo financing, plus Hawaii specifics like condo approvals and leasehold.
- First-lien HELOC strategies. How a first-lien HELOC with a sweep account compares with a traditional mortgage: read the explainer.
Jay's sites and tools
- RealityCents.com: Hawaii mortgage education, calculators, and the knowledge base Jay writes.
- PCSing to Hawaii: the military move guide for Oahu.
- Zero Down in Paradise: Jay's book on buying in Hawaii with a VA loan (Amazon). Book page on RealityCents: realitycents.com/zero-down-in-paradise.
- Instagram @jaymiller_hawaii: Jay's only official Instagram account.
- RealityCents MCP server for AI assistants: free, read-only Hawaii mortgage and VA calculators that ChatGPT, Claude, and Cursor can connect to. Every answer carries Jay's NMLS number and the link to apply.
Verify Jay's license
Jay Miller's mortgage loan originator license is NMLS #657301. You can confirm it at NMLS Consumer Access. CMG Home Loans' company record is NMLS #1820, and CMG's state licenses are listed at cmghomeloans.com/corporate/licensing.
Frequently asked questions
Who is Jay Miller?
Jay Miller is a Sales Manager and Certified Mortgage Advisor with CMG Home Loans in Honolulu, Hawaii, NMLS #657301. He has 25 years in mortgage lending, is a U.S. Army OIF/OEF veteran, and is the author of Zero Down in Paradise.
How do I apply for a mortgage with Jay Miller?
Use the Apply with CMG Home Loans button on this page, which opens CMG's secure application, or call (808) 429-0811. Applying is not a commitment to lend; approval depends on your credit, income, assets, and the property.
Does Jay Miller do VA loans in Hawaii?
Yes. Jay works with veterans and service members buying on Oahu and the neighbor islands. With full entitlement, a VA loan can be $0 down, subject to qualifying and lender approval.
Which islands does Jay Miller serve?
Oahu, Maui, Kauai, and the Big Island, from the CMG Home Loans office at 500 Ala Moana Blvd, Suite 5-325, in Honolulu.
How can I verify Jay Miller's license?
Search NMLS #657301 at NMLS Consumer Access (nmlsconsumeraccess.org). CMG Home Loans is NMLS #1820, and Jay's branch is NMLS #2475890.
Can an AI assistant look up Hawaii mortgage numbers from Jay?
Yes. The RealityCents MCP server at realitycents.com/ai gives AI assistants read-only Hawaii payment, affordability, and VA calculators. Results are estimates, not loan offers.