Hawaii HomeLoans last year became the first U.S. mortgage lender that went completely virtual and wireless, enabling its staff to work whenever and wherever, in pajamas or on a surfboard. Hawaii HomeLoans, Honolulu, a Fannie and Freddie seller/servicer, started business in April 2002, doing retail and wholesale as a full-service lender. The company originated $500 million last year. It has about 90 employees, some 50 of whom