Everett and his team made refinancing my mortgage a pleasant experience. The financial expertise, resources, and aloha of Everett and his team at Smart Money have allowed me to take advantage of falling interest rates and improve my financial health. It is always easy to get in touch with Everett and he will promptly get answers to your questions. I got a great interest rate and closing was smooth. Definitely recommend Everett Arakawa and his team! – Rick