Smart Money, Inc. NMLS #273384

Exposing our secret to save on mortgage payments!

By making biweekly payments, you effectively make an extra payment each year. This can reduce the total interest paid over the life of the loan and shorten the loan term.

For example, a 30-year mortgage could be paid off in about 25-26 years with biweekly payments 🏡

Splitting the payments also makes budgeting easier, as it spreads the financial impact evenly throughout the month.

Follow us for more tips 💡

Mahalo for the review, Brenda! Happy to hear we could find a great loan for you. We are grateful for your partnership 💚

Struggling to get pre-approved, here’s 5 secret tips we wish we knew earlier 💡

1. Check Your Credit Report: Ensure your credit score is strong by reviewing your credit report and paying down outstanding debts.

2. Gather Financial Documents: Collect key financial documents like tax returns, bank statements, and proof of assets to provide to lenders.

3. Reduce Debt-to-Income Ratio: Pay off as much debt as possible to lower your debt-to-income ratio, making you a more attractive borrower.

4. Find a Trusted Mortgage Advisor like Smart Money: Work with us to find personalized guidance and find the best mortgage options.

Congrats to Will and his client on closing this mortgage for a beautiful unit it Makaha Valley Towers!

Huge mahalo to our realtor partners Minna Snyder and G-No Opfer for making it all possible 🙌

We’ll show you great mortgage options 😉

Congrats to Will and his client on closing their mortgage for this beautiful home 🏠 🌴

Huge mahalo to our realtor partner Micah for making it all possible!

4 Things your mortgage broker wants you to know!

A mortgage broker is an invaluable resource for any type of home buyer. In order to understand the process and ensure you are getting the best possible deal, make sure you keep these 4 things in mind.

Congrats to Sean and his client on closing this mortgage! What a stunning view. 🤩

Congrats to Will and his client on closing this mortgage for their awesome place in Ewa 🌴

Huge mahalo to our realtor partner for making it all possible!

Here’s how we help you secure your dream home! 😉

Here at Smart Money, we curate mortgage options for everyone, from first-time homebuyers to savvy investors. We work to increase our client’s financial literacy and achieve financial goals through homeownership.

We specialize in Conventional, VA, FHA, USDA, portfolio, and hard money residential home loans. We have access to many lenders and guidelines, giving you the best options. More importantly, banks and lenders compete for your business.

We are always working to get you a better deal. You can be confident that our only motivation is to obtain the best mortgage for you 🏡

Congrats to .hi.mortgages and their client on closing a mortgage for their beautiful home! 🏡

A huge shoutout to our buyer's agent Christine Koga! 🙏 .koga

Congrats to Kim and her client on securing a great mortgage for this beautiful home. 🤩

Huge mahalo to our realtor partners Mariliz Reilly of and David Liu of Better Homes for making it all possible!

Today we had a visiting broker from Calgary 🇨🇦 and learned more about how they process loans. PITH anyone? Can't wait to visit you on our next trip up north!

Thank you, Wade, for trusting us with your home-buying process. Tami is the best! We’re excited for your new upgrade 🤩

USDA loans are aimed at promoting homeownership by providing affordable financing options with favorable terms. No down payment, competitive rates, and flexible terms make it easier than ever to own in Hawaii 🏠

Learn more about USDA loans by calling us today at (808) 747-1107.

Don’t know what you need to apply for a mortgage? Swipe to learn more!

Congrats to Will and his client on securing a great mortgage for this beautiful Ewa Beach home 🏠

Huge mahalo to our realtor partner for making it all possible!

Curious about how refinancing can save you money? Contact us today to explore your options at Smart Money Hawaii 📲 (808) 747-1107

Congrats to Daryn and his client on closing this mortgage for a beautiful home in Kaneohe 🌴

Huge mahalo to our realtor partners and for making it all possible!

Thank you for trusting us during your home buying process, Jesus. We are grateful Will and Huyen made it happen!

🏡 FHA Loans are perfect for first-time buyers and those looking for flexible financing options.

Discover what it is and how it can benefit you with Smart Money Hawaii!

Swipe to find out why mortgage insurance makes home buying more accessible.

💡 Knowledge is power when it comes to making informed decisions about your home loan.

Happy Aloha Friday! Congrats to and their client on closing this mortgage for a beautiful unit in Waihonua 🏡

Happy Aloha Friday! Congrats to and their client on closing this mortgage for a beautiful home 🏡

Mahalo for the review, Greg! Happy to hear Tami could lock in a great rate for you. We are grateful for your partnership 💚

Congrats to and his client on closing another VA Refinance loan today!

Congrats to and her clients on closing 2 VA Refinance loans today 🏡 Celebrating great rates!

Congrats to and their client on closing this mortgage! 🏡

Considering a VA Loan? 🇺🇸 Here's why it might be your best move: Zero down payment, competitive rates, flexible credit options, minimal closing costs, and the VA loan guarantee.

We specialize in VA loans here at Smart Money. Call us to get started 📲 (808) 747-1107

Big mahalo to on helping us close this fabulous home! Congrats to our clients on their new mortgage 🎉