• 			    No matter what type of loan you need, we're with you every step of the way.

    No matter what type of loan you need, we're with you every step of the way.

  • 			    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.

    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.

  • 			    REFINANCING is easy with our professionals' help.

    REFINANCING is easy with our professionals' help.

VA Loans, First Time Home Buyers in Honolulu, Hawaii

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.

In terms of Purchase Loan programs, we offer the following:

FHA | VA | USDA | Jumbo | Conventional

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA Streamline | Conventional | HELOC | HARP | Jumbo

What makes Smart Money Inc. unique is that we offer the following niche programs as well: down payment assistance loans and mortgage credit certificate.

Contact Smart Money Inc. today to discuss your mortgage loan options, and find out which loan program will best suit your needs!

Recent Articles

Sep
16
2020
The Benefits of Purchasing a Fixer-Upper as Your First Home
Buying a move-in ready home is appealing, but there are benefits to purchasing a "diamond in the rough," too. Here are the top 5 reasons home shoppers prefer a fixer-upper.  Pro Mortgage Tip: Did you know that there are home loan programs, especially buying a home that needs...
Sep
09
2020
Questions to Ask a Real Estate Agent for a Pleasant Homebuying Experience
While buying a home is a wonderfully positive event, it still presents challenges, and that's why most work with a real estate agent. Over the years, we've partnered up with many outstanding agents, and we understand how valuable their expertise is for you, the home shopper. We also know...
Sep
02
2020
The Real Benefits of Using A Local Mortgage Professional
Real estate sales are primarily a localized market. That's why you wouldn't ask a Dallas real estate agent for assistance in purchasing a duplex in St. Louis. Likewise, you wouldn't ask a San Diego mechanic to winterize your Denver car or a Tallahassee-based educator what he thinks about...
Aug
26
2020
Tips For Talking to Your Kids About Finances
With talk of stimulus checks and the economy, your child may be curious about what the future holds for their finances.  Teaching healthy money habits can be challenging, but it's one of the most important lessons you can share. And you don't need to be an expert to give them a solid...