Smart Money Hawaii. Servicing all Hawaiian Islands. Helping Families with affordable
mortgages since 2007.
Purchase Refinance
A quick and transparent process

We have a simple online application

Use our online application tool to get approved for a new loan now! You can also use it to see what types of loans may be available to you.

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Calculate Your Rate

Use our online calculator to calculate your Mortgage Rate. You can also compare your rates at different principal amounts.

Loan Calculator

What our customers have to say

You’re in good company

Jennifer Doan at Smart Money, Inc. makes it happen. We recently consolidated our debt and secured an awesome rate, and we could not have done it without Jennifer’s assistance. She was professional and responsive throughout and is just cool to boot. I am a busy professional with a young child, and but for Jennifer’s diligence and gentle reminders, I would have slacked off in getting our documents and information to her. I have and will continue to refer friends and family to Smart Money, Inc. and highly recommend Jennifer’s services.

Marguerite Nozaki

I cannot say enough amazing things about the staff at Smart Money and the work they do! We are first time homeowners, working with a VA loan and Smart Money knew the ins and outs of what needed to be done but also kept US and our needs in mind-not just the lender!
Special shout out to Will and Huyen for being on top of everything and getting us only the best! Thank you to Micah for setting us up with these awesome folks! (:

Hailey Fox

My refinance was initiated with William. He’s amazing. To be specific, he’s intelligent, sincere, hard working, humorous, and most importantly highly reliable. His processor, Huyen, was my “go to gal” for the underwriting requirements. She made the entire process smooth. She also genuinely cared about my process and listened to any concerns I had along the way. I would recommend Smart Money to any real estate agent needing to qualify their buyers. It is wise to specifically ask for this dynamic duo. Thanks.

Jon Hines

Everett helped us refinanced our home, incredibly helpful throughout the entire process. He did an excellent job! He is very super nice guy, easy to talk to, very friendly, responsible and always accommodating us. I called other Mortgage Company and most of the Loan Office not as friendly and helpful as Everett. The first time, we refinanced with Smart Money, Everett was the first person I spoke too, I explained my situation, from there he helped us no matter how bad it is, he was there for us he didn’t give up he helped us no matter what. He was so Awesome and the best Loan Officer! I highly recommend Everett!

Ana Pagampao

As interest rates are getting lower nowadays I decided to search out refinancing options for my current loan. I contacted Everett from Smart Money and he was very quick in responding all of my questions that I had. Everett really took his time to help to explain all the details regarding the refinance loan and whatever that I did not understood, (which was quite a lot) Everett walked me through every step of the way to ensure that I knew exactly what I was doing. Bottom line is that Everett’s customer service was superb! He was even helping me out on his days off to ensure that I gathered the correct documentations for my loan request. I highly recommend Everett for all your home loan needs!

Travis Chung

If I could give more than 5 stars, I would!!! My husband and I are first-time home buyers. When we connected with Eddie, we immediately knew that we were in good hands. Eddie has been such a great partner in this process – his communication was outstanding, he answered our questions extremely fast, and he is super friendly! Eddie has a wealth of knowledge (especially with the VA loan process) and was such a pleasure to work with from start to finish. We highly recommend Eddie and Smart Money!!!

Kris Hansford

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