• 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

Oct
21
2020
How to Pay off Debt Fast To Qualify for a Home Loan
Struggling to pay down or pay off debt? You're not alone. Most Americans are shouldering about $30k in debt from credit cards, school loans, or car loans. And if you want to buy a home, too much debt can hinder mortgage approval. Fortunately, there are ways to get a handle on it.  Check out...
Oct
14
2020
Tricks for Removing Negative Information From Your Credit Report
Removing negative marks from your credit report isn't just for raising your credit score. It's also the key to getting approved for a home loan with a favorable interest rate. Use these strategies to eliminate negative information from your credit report. Did you know that there are loan...
Oct
07
2020
Breaking Down The Pros and Cons of a 30-Year Fixed-Rate Home Loan
Are you considering a 30-year fixed-rate mortgage? We're not surprised.  Thanks to an extended repayment period and fixed-rate, homeowners can count on a predictable low monthly payment. Here's what you need to know about a 30-year fixed-rate loan and it’s alternatives...
Sep
30
2020
What’s New with Purchasing a Home in 2020
The coronavirus outbreak has changed certain aspects of home buying. In some ways, it’s become more challenging. However, in many ways, it’s actually improved. Here are some of the differences you'll notice about purchasing a home in 2020 and how to prepare for them...