About Us

The Smart Money Mission

By providing an approachable environment based on integrity, honesty, ohana, and respect, Smart Money Hawaii creates curated mortgage options for everyone from first-time homebuyers to savvy investors. We work to increase our client’s financial literacy and achieve financial milestones to live a fulfilled life through homeownership.

Your Mortgage Experts

Smart Money is a mortgage broker servicing the State of Hawaii. We specialize in Conventional, VA, FHA, USDA, portfolio, and hard money residential home loans. Whether you’re a first-time home buyer or investor, we can help. We have access to many lenders and guidelines, giving you the best options. More importantly, banks and lenders compete for your business. This ensures you are getting the best rate in the market.

Mortgage Broker vs. Bank/Direct Lender

Working with a mortgage broker gives you many advantages because you’ll have access to many lenders with one credit pull. To do the same job as one mortgage broker, you would have to visit hundreds of banks, pull your credit each time, and work with many people. Confusing right??? We do the shopping for you, so you have the best options at your fingertips. We do not lend our own money, therefore we do not push our company’s funds over a better deal. Since we do not have any interest in the money that gets lent, you can be confident that our only motivation is to obtain the best deal for you. Think of us as like one of those sites that finds you the best prices for airline tickets. The only difference is that instead of shopping for airline tickets, we are shopping for the best mortgage loans. Better yet, you do not pay us anything! We are paid through the lender, not by you. With the lenders competing for your business, you can rest assured that you are getting the best deal possible.

Smart Money is a mortgage broker servicing the State of Hawaii since 2007.

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What our customers have to say

You’re in good company

First and foremost I would like to thank the whole Smart Money Team for making my refinance a fast and easy process. Thank you especially Darci for being very patient and informative during the refinance. I can’t wait to work with the team again for all my future investments. If you’re looking for a team that has all the information and that can get the job done quickly and efficiently these are the people to go to. Thank you again!

Justyn Tabaniag

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

Working with Tami over at Smart Money on our condo refinance was a wonderful experience. Before this, I had always assumed refinancing a property was some difficult and time consuming experience, but from the time I reached out about potentially refinancing, to the time of closing, it was a smooth and straight forward process. Honestly it was such an easy process, at points I had completely forgotten I was in the middle of a refinance until I would get an e-mail requesting a document sign, or something of the sort. Tami really came through for my wife and I and helped us get a great rate on our loan, and we are very grateful!

Nathan Hardie

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

First, I want to thank our Heavenly Father for everything He has done for me and my family.
Second, I want to thank Smart Money, William Rodriguez, and his team for all their hard work. I have to admit, I thought we wouldn’t get the house because of all the difficulties we faced.
However, with their help, Rodriguez and his team managed to overcome every obstacle in our way.
They worked tirelessly to complete the job, and that’s why we are now first-time homebuyers.
Because of their dedication, we will never forget what they have done for us. They turned the impossible into possible.

Big Mahalo to All, and God bless!

Ruwe Jibas

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

“Kim Davis was by far the most important person we worked with in our home buying and refinancing process. If you are looking for a loan officer in Hawaii that can get the job done, has patience, and cares about your unique situation, Kim is the one. You really need someone thoughtful that you can trust (oh and organized!) during this type of life event and Kim was all of that and more. Thank you Kim and smart money for continuing to provide great communication and a relaxing experience for us.”

Allison Miyamoto

“Working with Huyen at Smart Money is the best decision we made in making our home ownership dream a reality in Hawaii. Her expertise was essential in helping us secure the dream home we thought was beyond our means given current market conditions. She found the best rates for us and was able help us move to a new lender mid-way with an even better rate and still close in 18 days! Huyen and her team was a pleasure to work with — answering all our questions, helping us plan for our future home, and keeping us updated throughout all the process. I look forward to working with Huyen and the Smart Money team for all my future financing needs.”

Jodessa Lanzaderas

“Tyler and his team were AMAZING to work with. He worked really hard to help get me and my family out of financial struggle with this refi. Great communication and very patient. Even when I doubted, Tyler kept encouraging me to stay the course And he was right because it all paid off. I am sooo thankful for his help and giving us peace of mind when things got tough. Tyler and his team was a blessing to our family!! Give Smart Money a call. Its a decision I’ll never regret. Thank you!”