Homepage

Integrity. Trust. Family. Apply Now These are words we live by.
We treat you like Ohana.
We are experts in this field so let us take the qualification process easy for you. VA Loans Government Loans are here to benefit those who have served. Apply Now Fast and Efficient Closing After closing thousands of loans we have mastered the process.
Let’s keep it simple and close on time!
Fast and Efficient
Closing
Apply Now
Finance your
dream home.
We’ve been helping families across Hawaii with affordable mortgages since 2007. Finance your dream home. Apply Now
Refinancing can help with tuition,
home improvements, debt consolidation,
down payment for a new property and more!
Need an upgrade? Apply Now
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.

Apply Now!

Calculate Your Rate

$100000 $3500000
10 years30 years
Borrowing:
Total you will Pay:
Loading

We're here to meet all of your needs

Financial solutions for buying a home or refinancing

For a first time home buyers or investors.

Find out more

For debt consolidation, cash out for renovations or tuition, down payment for a new property, lower your current payment, etc.

Find out more

We’ve honed our skills and made the process easy!
So simple!

Find out more

About Smart Money

A local company to help local people

Welcome to the official site of Smart Money Inc.. We are a full service mortgage company based in Honolulu, Hawaii. We specialize in VA Loans, First Time Home Buyers in Honolulu. We also serve the surrounding cities in Honolulu County, Hawaii County, Maui County and Kauai County. Whether you are buying a home or refinancing in any of these zip codes: 96814, 9706, 96707, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

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

Ready to get started?