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

    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

    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

    “The process was so simple, it made buying my home a breeze. I’d recommend Smart Money to any of my friends or family.”

    Sunan M

    “As a first time home buyer it can be scary. Smart Money walked me through the entire process and calmed my nerves.”

    Ku`ulei N.


    “Smart Money helped me consolidate my credit cards with a cash out refinance. This saved me thousands of dollars a year in interest costs”

    Gary K.