About Us

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, which in turn give 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 with one credit pull, you’ll have access to many lenders. 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 different 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 knowing that you are getting the best deal possible.

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