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July 6, 2014 Angie –Thank you for being a prompt loan officer and your enthusiasm to complete each task towards loan completion is noteworthy …. You did an amazing job both times you refinanced my home for me. Much Mahalo Jim


I wouldn’t let another day go by without my having to comment on the service rendered to me by your loan specialist Noelani Chong. The whole experience from start to finish was handled professionally and efficiently. When I inquired on-line about refinancing to a lower mortgage interest rate, I was bombarded with phone calls and e-mails, all eager to assist me. I was really taken by Noelani’s mannerism when she called me. She spoke patiently with me answering all my questions and educating my husband and I to get a lower life of the loan option. We never once felt pressured to do anything because of a time factor. I especially appreciated her and her efforts when she found out the rates dropped even lower and got us in on that. She left no stone unturned and was really looking out for our interest. I will recommend Noelani to my family, friends, and peers as I know they too will be very comfortable and happy working with her.

P. Torda-Saballa

I just felt compelled to share my experiences in using Smart Money and Eddie Akabane when doing a recent refinance for my grandfather. I have tried to accomplish this off and on for the past year or so. I have not had much success when sending inquiries over the internet; however, this time I was more than presently surprised at not only how easy the process was, but how quickly and stress-free Eddie was able to make this for me. Eddie was always great at responding to me quickly and he addressed all the issues I had up front. I truly appreciate his honesty and would recommend his service along with what your company offers to family and friends. Sometimes it is very difficult to work with others who are not on the same island as you, but Eddie always made me feel that we were on the same “rock” by providing me excellent customer service and quickly providing documents and responses. (I actually feel that he responded faster than working with someone here on my island). I am very impressed with the turn around time of our loan. I am very happy that we decided to use Smart Money and that Eddie provided us with outstanding service. Will definitely recommend you to others. Keep up the GREAT work.

L. Richards

Just wanted to inform you of the excellent customer service I received from Matt Pini. His professionalism is outstanding. From the very beginning, he was most informative as to the status of my application, either by phone or email. I am most appreciative of his diligence in every aspect of processing and expediting my mortgage loan. If I had any questions, the response time was excellent. I must say it is just fantastic to be able to speak to someone locally and to have a company located here in the islands. Your company’s willingness to assist customers at their convenience is just awesome! The notary who came to my work location to sign papers due to my time constraints is one example. Another example, you, yourself met me at my work location when other paperwork needed my signature. I will surely tell my family and friends what excellent service I received from Matt and your company. With much appreciation, and much Mahalo!

C. Whitmore

Dear Miss Angie, Thank You, Thank You, Thank You! You are truly a wonderful person. I know we don’t even know half of what you had to do to pull this loan Off for us, considering all of our circumstances. We appreciate your patience And time explaining all of our options to us.

Desatoff Ohana

Thank you very much for helping me refinance both of my homes. You not only helped to save me tons of cash but helped me save my home. I did not realize I could have lost my home by getting by on making minimum payments (negative amortization). In addition, I wanted to acknowledge your professionalism in handling my personal situation. There are no excuses on why such a situation should have ever occurred with you being in the middle of it all. You handled your self brilliantly and managed to succeed in helping me in the end. Thank you for turning something negative into a very positive experience. You are simply the best!!! Thank you again for all your help!!!

R. Lim

We have been working with Eddie for the past four months trying to establish a goal to refinance our property in Hawaii with the lowest interest rates available. Eddie has surpassed all my expectations in jumping over hurdles and completing task on a timely basis. He has shown to be a true person I can depend on. Both Eddie and William worked together on completing our refinance in a timely manner. I would highly recommend Eddie to my co-worker and friends to have excellent customer satisfaction. William has also believed in us as a true customer and given us 100% customer satisfaction.

D. Shimabukuro

I just wanted you to know that you are a true professional and a great person whom I now consider to be a wonderful friend. Deciding to settle down in Hawaii and buying my first new house was quite an experience in itself. I looked forward to the day I could re-finance my mortgage so I could really start enjoying a place I could one day call my own. I knew I needed to shop around for the best deal. I went online and submitted a couple of inquiries. I spoke to a couple of friends who re-financed their homes as well as a several different loan officers. Timing is everything and you could not have timed your phone call to me at a better moment. I was contemplating on what my friends and co-workers felt was a “great” deal. However, you instantly earned my trust by simply listening to me. Although I had never met you in person I felt that you were going to work diligently and was very realistic in what I should expect. Throughout the whole process I felt as though we worked as a team. By the time I met you I had decided to close the deal with you. Now I can truly now enjoy the house I bought as my home. I can’t thank you enough Angie. You’re the BEST!!!

M. Zamora

This is a letter of reference for Angie Joy who worked with us to refinance two of our properties.This was the first time we did any financial work with anyone that we did not have a face to face meeting with. We did a search online and after some reference checks chose to go with Smart Money. We have great respect for Angie’s integrity. She was thorough and prompt, keeping us notified with every step of the process. She was always available by phone and/or e-mail anytime we had a question. She worked very hard to get us the best rates possible at the time and she was very successful. Everything went smoothly right down to sending a notary to our home to sign the papers at our convenience. Whenever we need to finance or refinance we will be certain to call Angie.


Angie, A Big Mahalo for all your efforts in helping us get the best deal possible! Your determination, professional judgment, insight and client advocacy made all the difference. From the very beginning you were there to help guide us and provide important information to assist us in making decisions. We will definitely recommend your services to others. Thank you again.

S. Vaioleti
Oahu, HI

I’m sorry this letter has taken me so long to write. I wanted to let you know what wonderful service I received from Mr William Rodriques. I can’t say enough nice things about him. He was attentive, timely and worked very hard to find the best possible loan for me. He inspired confidence in me throughout the entire process. He always made me feel like I was a priority, even though I never actually met him in person as I live on Kauai. I will be happy to recommend your company to anyone I know interested in refinancing. Thank you very much to your company and Mr. Rodriguez.

R. Cottingham

I would like to let you know that William was very helpful and pleasant during the process of refinancing my mortgage. He followed up with phone calls and provided information as requested. I am very pleased with his service ,he is an asset to your company and I would highly recommend his services.

J. Eastment

I would just like to comment on services with Smart Money. We worked with Noelani Chong who helped us with refinancing our mortgage. We have been searching for a 15 year mortgage and was not able to acquire one until we were approached by Noelani. She has been very helpful and knew her job well. We were very happy with the way we were treated and her services were outstanding.

L. Worthy

Wanted to let you know Eddie did a great job with our closing. He explained the docs we were signing and he’s very organized. Thanks for helping us. You have been just terrific and we are very happy that we finally have some financial relief! I can now focus on researching this photo voltaic systems I’ve been hearing about. The one thing I do know is they are very expensive, but Ewa Beach is probably the hottest place on this island and this may be something we could use. Thanks again from the bottom of our hearts. May God always bless you, your family and your company.

R. Pascual

In October 2008, I submitted an online qualification application, for a home I wanted to purchase in Papaikou, Hawaii. Angie made contact with me immediately after, replying by email and telephonically. I am so grateful we made contact, as the first conversation we had I was so very comfortable with her, I decided that she was the one that could help me with the financing and reaching my goal. Through out the transition Angie made sure that I received the lowest rate she could acquire, and with her expertise, she did. She also made sure the contract and all documents were in order. She is a natural for attention to detail, which I noted working with her, with this trait, I knew that I could depend on her. During the process, Angie had the misfortune of having to work with the sellers’ real estate agent. This agent was extremely difficult and demanding, as I had to speak with on a few occasions. This agent was very rude and demanding to me, so I can only imagine the difficulty Angie experienced with her. She handled this agent’s demanding ways with patience and in a highly professional manner. It is with pleasure to personally thank your company, especially your Senior Mortgage Specialist ANGIE JOY for the services rendered in such a timely and professional manner. Angie is such a Joy, to talk and work with, that I would recommend her to anyone seeking assistance in obtaining a loan. I also would personally recommend her to anyone as the service she rendered to me was extremely exceptional.

D. Diama

We just wanted to let you know how much we appreciate all the hard work that Eddie Akabane did to arrange the refinancing of my son Edward’s house to lower the interest rate. My son Edward is very happy that he can save some money to go towards his gas bill, put food on the table, and buy clothes for his daughter. Eddie Akabane and your company deserve all the best and success in the business world in helping family’s with their personal finances, to be able to afford their home mortgage. Again Mr. Akabane is a dedicated employee of your firm and strives to serve the best for his clients. God bless you all.

Hayward Ohana

Eddie, I cannot thank you enough for what you did for me and my family. I know its your job, but your efforts to get me qualified seems to have gone “beyond the call.” I feel very fortunate to have hooked-up with people like William and you. I will be forever grateful for what you both have done for me.

S. Nakamoto

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