• 			    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
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...
Sep
23
2020
Rebuilding Your Home and Life After A Natural Disaster
Hundreds of thousands of homes are affected every year by natural disasters in the U.S, causing upwards of $300 billion in damages every year. We hope that you will never have to experience the devastation of a natural disaster. But should that happen, it's crucial to be prepared in advance....
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...