I worked with Duncan at Infinite Financial on a complex investment property refinance in Hawaii. The building has many complications and nuances such that most traditional lenders will not want to finance it. So it was crucial to work with the right person who had all the necessary expertise, local knowledge, and persistence to find a solution. Duncan found the right lender for my situation, and did an excellent job coordinating across multiple parties (lender, escrow, borrower). Throughout the process, Duncan was consistently available, responsive, and transparent. He kept me informed at every step and made sure I wasn't charged for anything I shouldn't have been paying for, and kept the deal moving on time-sensitive deadlines. Whether you're dealing a straightforward or a complicated financing situation, I'd strongly recommend Duncan and his team. read more

Just closed on a condo and worked with Duncan and Darcy for the mortgage. The whole process went very smoothly. Duncan was super responsive and patient with my many questions, always with a clear answer that actually made sense. Darcy was great to work with too. Would definitely recommend and would work with them again! read more

You can count on Duncan all throughout the process. Excellent in communication, helpful, professional and simply the best!

Having trouble finding a lender? Fret no more. Infinite Financial is there to help you. Two lending companies immediately approved my husband and me until we encountered a roadblock. And that roadblock was an insurance issue. Many lenders are not approving loans for condos in Hawaii if the building is underinsured. Some lenders are refusing loans unless the building has 100% replacement cost coverage.  I found Infinite Financial online. It caught my attention after reading several reviews about the company. Maintaining a perfect score of 5 since 2019 intrigued and motivated me to dig deeper into Infinite Financial. The owner of the company is Duncan Hsia. After I read his impressive resume, a graduate of University of Pennsylvania and attended Wharton College (Wow!), I knew he would be able to help us. And he did! When loan officers told me that no lending company would approve our loan due to the insurance requirement, Duncan came to the rescue. With his expertise and knowledge, we were able to purchase our dream condo. If you're looking for a knowledgeable, trustworthy, and supportive mortgage broker, look no more, Duncan is the one! Kudos to Duncan and his team. read more

Duncan and his team were amazing throughout my non-standard loan process as the sellers needed an extended closing in excess of 4 months from the time we started escrow. Duncan was extremely responsive to all my phone calls, emails, and text messages, assisted me to come up with a good strategy to lock in my loan, and helped me navigate loan impacts due to numerous changes in the purchase contract throughout the escrow period. This is the second time I have used Duncan and he will be my first call if I need to refinance this home or purchase another one. Mahalo, Nic read more

I just wanted to say thank you Mr. Duncan for your hard work and patience in securing a mortgage for us and for guiding us through the process! At first we are working with a different lender then we encounter a problem with the property, lender said we cannot close the property until the seller fix the problem. Then our realtor introduce us to Mr. Duncan and the rest was a history we were able to close the property in less than a month with his team. As first time home buyers, our experience couldn't have been a more positive one and we feel very lucky to have had good people in Infinite Financial. Mr. Duncan and his team was extremely knowledgeable and communicative throughout the whole process. He was extremely responsive and quick to answer any questions we had. He kept us updated on where we were in each step of the process. The communication, professionalism and efficiency throughout the whole process was above and beyond. Much mahalo from our family! read more

5-Star Review for Duncan Hsia I had an outstanding experience working with Duncan Hsia on my loan. We ran into several major challenges during the process--our appraisal used a very low monthly income estimate for the DSCR loan, and the lender was unable to release funds on time. These were issues that could easily have delayed or even jeopardized the entire deal. But Duncan stepped up every single time. He communicated clearly, kept me updated, and--even more impressively--worked through weekends to help resolve the problems. He coordinated with the lender, pushed for corrections, and made sure every issue was addressed quickly and professionally. Without his persistence, we absolutely wouldn't have closed on time. Duncan explained all the requirements in a way that was easy to follow and always made himself available whenever I had questions. His friendly and highly professional attitude really helped reduce the stress of the whole process. I would definitely work with Duncan again, and I'd confidently recommend him to any friend looking for a reliable and truly committed loan agent. gc read more

Duncan is a true professional who knows his craft. He communicated clearly and asked the right questions to zero in on the most practical finance solutions. He introduced me to a few investor loan options for two different 1031 exchange properties. He efficiently closed the first one on time. The second one is scheduled to close soon also on time. I have taken out over sixty mortgage loans during my investment career. Working with Duncan was a pleasure and a breeze to secure these two new loans. I'll be back for my next purchase soon. ~Mahalo & Aloha read more

Professional, timely, and communicates exceptionally well. Communicates over email, calls, and/or text messages. Even though there were tight deadlines I never felt pressured, and any uncertainty regarding the loan process disappeared immediately. Can highly recommend. read more

Duncan was fantastic in both helping me buy and sell my first home. We encountered a number of unforeseen/external hurdles along the way, but Duncan and the Infinite Financial team were responsive and supportive in getting everything closed. Their expertise was hugely valuable and undoubtedly made the process smoother. I would highly recommend working with Duncan. read more

This was my second time working with Duncan to buy a home and same as the first time, Duncan was able to get everything done so quickly. Just like the first time Duncan we were able to close our loan several days early. I choose to work with Duncan again because there was no doubt in my mind he would get the job done. Even with the economy's current high mortgage rates Duncan was able to help us obtain a loan in which we will be able to comfortably afford, at the time being able to buy our dream home! Being someone not so financially knowledgeable I very much appreciate all of the information and insight that Duncan was able to provide. He answered all my questions with patience and took time to explain to me things I did not understand. It is obvious he keeps himself informed and up to date in his field of work and his guidance saved me a great deal on my rate! We will definitely be going back to Duncan if we ever get the chance to refinance our home. And if we ever decide to buy a home again I would absolutely ask Duncan to help us with our loan. Any family or friends I hear buying a home I would absolutely recommend Duncan! read more

Our journey to homeownership was made remarkably smooth thanks to Duncan and his team. When we were looking to purchase our home, our situation required a creative solution that most lenders wouldn't consider. Duncan not only made it happen, but he did so with exceptional dedication and professionalism. Duncan patiently explained all the confusing terminology, guided us through every process and document, and provided strategic advice to ensure we received the best service and rates possible. He developed a creative solution involving a carry-back loan option where we worked directly with the seller and the bank, making it feasible for our young, growing family to purchase the home. What truly impressed us was Duncan's accessibility. He remained available to answer our questions even during his family vacation to Disneyland! His commitment to our needs went above and beyond what we expected from a loan originator. Duncan's expertise, patience, and personalized approach transformed what could have been an overwhelming experience into a manageable and successful journey to homeownership. Today, my wife and I and our four babies have a place to call home and we truly would not be here today without Duncan and the team! Thank you so much!!! read more

Duncan is so professional, patient, flexible, and very knowledgeable! He was able to get us a lender who was able to finance our home purchase. He succeeded and now we are home owners! Recordation was just yesterday but how he worked with us made us feel like we've known him for a long time. He is the best loan officer! Bonus points for the unnecessary fees you made sure to be removed from our closing expenses Thank you very much Duncan for helping us and our amazing realtor achieve my family's dream to have our own house! We appreciate you very much and your team (thank you also Joan!) for the help! read more

We have used Duncan to successfully close three loans in 2025. I would highly recommend him as he is incredibly creative and smart. He was able to find the best loan for us. I'd highly recommend Duncan Hsia with Infinite Financial. read more

Escrow closing. Duncan surprised us by attending. We bought a foreclosure and to say the purchase was a challenge is not saying enough. Duncan and his team were helpful, patient and their diligence helped us get a great loan and interest rate considering the market in Hawai'i right now. Highly recommend! read more

Infinite Financial - Escrow closing - Mortgage Brokers Near Me - Honolulu, Hawaii

They were prompt and professional and able to help me use my VA Loan. Advised me on my options and helped me out every step of the way during my home purchase, even with complications like when we were delayed for over a month by circumstances out of our control. Thank you, Duncan, Darcy, and the whole team, for being so available and understanding and getting us through such a big hurdle! read more

Wow, I can't believe we closed on my new Condominium in 24 days. I contacted Duncan, Ian and my realtor Chase some time last year when I wasn't on island yet about possibly buying a home in Hawaii. This was my first home since I've been active duty Military. From what I understand, the VA usually takes a while to process home loans. However, these guys did such an amazing job answering all my newbie questions and explaining what to do and expect next in detail. Communicating important information between 4 people who've never met each other except through Phone text/ voice and emails was flawless. I highly recommend this amazing team to anyone looking to purchase a home here in beautiful Hawaii. Very understanding and easy to work with. Thank you Chase, Duncan and Ian for all your hard work. I really appreciate it. read more

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We were introduced to Duncan at Infinite Financial through our realtor Wanida Tienchai at OahuRE. We made initial contact with Duncan in the afternoon and by that same evening, we had already spoken with Duncan over the phone and started to send him the required financial documents needed. Duncan and his team are extremely professional, helpful, and knowledgeable and he really took the time to not only respond and explain the loan process to us but was also very responsive, day or evening via email, text, or phone call. Being a first-time homebuyer and with interest rates very high at this time, we truly relied on and trusted Duncan and his team to guide us and provide us with insights into locking in at a good interest rate. With Duncan's expertise and guidance, we were able to lock in an interest rate on the lowest day within a month. Duncan was even by our side as we signed our final title documents to ensure that all of our questions were answered and that the documents were properly signed. I will definitely use Duncan/Infinite Financial again for any future property purchases and would highly recommend Duncan and his team to my family, friends, and clients without hesitation. Thanks, Duncan and team for treating us like family, and helping us make our home-buying dream come true! Aloha and Mahalo! read more

Infinite Financial - Mortgage Brokers Near Me - Honolulu, Hawaii

Infinite financial was very helpful to us. They were very clear with instructions for processing the paperwork and they have been very patient with us throughout our time working with them. Infinite financial was a very kind and friendly financial group and we are so glad to have bought our new home from them.We are very grateful and thankful for all of your hard work to make our dreams come true! Thank you all and we hope you have a blessed day. -Sincerely, Nina & Chris Freed :) read more

Infinite Financial - Mortgage Brokers Near Me - Honolulu, Hawaii

We are so grateful our realtor introduced us to Duncan Hsia. He is such an amazing expert in this business and I could tell you to not even bother going to any other company. I say this from experience. My husband and I went through another mortgage broker initially because of the great reviews. We were pleased in the beginning until when it came to finalizing our loan. Our loan broker kept insisting everything was okay and even gave us an interest rate that we thought was pretty good at 3.99. The condo we were interested in, however, had an open litigation which changed the requirements of the loan. We apparently needed a portfolio loan in order for us to get the condo. The other company kept stating they've done the best that they could and nothing else could be done unless we put down a bigger down payment. We had our budget and needed to stick with it. Please note that my husband and I have good credit, income and employment history so it wasn't like we were asking for money we couldn't afford. Needless to say, the representative from that company didn't give us all the options and make this work for us within our budget. We went on for 3 months with them trying to make it work but they finally said there's nothing else they could do and we had to give up on the condo we've been wanting for months. We were very lucky to have the seller wait for us to work with another lender and that's where Duncan and Kathleen came in. They are true experts and problem solvers that came through for us. Duncan has serious connections and results speak volumes. When Duncan Hsia got involved, he got us the loan we needed which came back with a LOWER interest rate at 3.375 percent! He gave us the expert advice to make it work and it certainly did within our budget. Why didn't the other company give us these options? He got us the loan and it all worked out on time as indicated by Duncan! We were able to close and get our condo! Duncan knows the business and we are so grateful he helped us. We should've went with Duncan to begin with so we didn't have to go through the headache like we did with the last company. Duncan is so genuine and they really go out of their way to make a difference! He would work with us after hours and be there whenever we had questions any time. My husband and I can't thank him and Kathleen Chin enough! They really have your best interest! read more

We had the very good fortune to have Duncan Hsia at Infinite Financial recommended to us as a source for real estate financing. He responds quickly to email, text, and phone messages. He's an excellent communicator. He presented options and told us all of the information we needed and assisted in completing the loan application. When we needed pre-approval letters for offers we made, he was right there behind us as with letters specific to the offer. He is a supporter. His personal contacts with many island realtors was another asset for us. We cannot thank him and his processor, Denise, enough for the assists provided to get through the paperwork to fund our new home purchase. You will not find better in Hawall. read more

My family and I had an interesting situation with getting a loan on a home. We had a pre-approval letter from another company, but due to my husbands immigrant status, and lack of credit score the other company was unable to offer us a loan. We were in a panic, and were given the number to Duncan Hsia, who presented our unique case to Ian. I informed Ian about the time crunch we were on, and he miraculously was able to get us a loan in 9 short days. It normally takes 45 days, but Ian, Duncan, and Kathleen (the processor) was able to take our unique situation, and not only get us a loan for a new home, but get us an amazing interest rate. Everything was signed sealed and delivered long before closing. I didn't think Ian could do it, but him and his team at Infinite Financial pulled it off. Well done Ian. Thank you for getting us into our dream home. Warmest Regards, Stacy Larsson read more

My experience as a first time homebuyer working with Duncan and his team was great! I had so many questions and they were always friendly, knowledgable, and responsive. In a difficult housing market like this, their reliable support was vital to make sure everything went smoothly! read more

Duncan was super attentive and always there to assist in whatever we needed. He always made himelf avaliable. He gave us funding / financing alternatives which Hawaii has its own peculiarities and advised us on which one would be the best one for our situation. Very professional and easy to wok with. I highly recommend using his service. read more

Duncan Hsia has been amazing. We met through my real estate agent, Zhenni Cai with Team Lally. He came highly recommended for his creativity and commitment. He fulfilled all of those areas and so much more. He was attentive to our every challenge. He went above and beyond to insure that our loan closed on time and without penalties. His creativity and attention to detail allowed us to buy our homes. Thank you read more

From start to finish the best way to describe Ducan's service is "EASY!" Not being very familiar with the process, Duncan was there to explain everything in terms I could understand and was very patient with me along the way. It didn't matter if it was a Sunday evening or a Wednesday morning, Duncan was always available and responded almost instantenously. With almost everything being digital, reviewing, signing and saving the documents were incredibly convenient. I believe that I only had one in-person meeting during the whole process, although Duncan was more than willing to meet up as I needed. The closing was exactly 45-days and could have been quicker but circumstances required the unit to close when it did and Duncan made it happen. Couldn't be happier with the service and would definately recommend him to anyone looking to purchase a home. read more

Duncan is awesome! We met him through a mutual friend. He has many years of experience, skills, and filled with the knowledge in what he does. As a mortgage lender, he was able to address all of our questions regarding finances and other related concerns, especially when we are "first-time homebuyers". Buying a home can be stressful and tedious but Duncan made the process manageable because he was patient, genuine, and very responsive. He delivered his promises: he got us a loan with the lowest rate as possible and we were able to close within a week! With that being said, it made us even happier because it shows that Duncan speaks volumes and is serious in his business. Duncan and his team at Infinite Financial, LLC runs a great business. We are grateful that he and Kathleen were able to help us throughout our home loan process. Overall experiences, my husband and I had a pleasure working with Duncan and most definitely will return to him in the near future as well as highly recommend him to our family members, friends, and others. read more

Duncan was highly referred to us by a fellow real estate agent and we couldn't have been more happy with his service. He was a consummate professional throughout our refinance, getting back to us within minutes with any answer or request. He never rushed us, which made us feel very comfortable, and it was clear he had only our best interest in mind. Duncan was extremely patient, thorough, insightful and most of all, educated and guided us along the way. Plus he got us the best rate possible for our property! We will be referring everyone we know to Duncan and will be using him for all future purchases or refinances. read more

As a Veteran, I appreciated that Duncan knew a great deal about the VA loan. He really helped me understand the VA loan and about purchasing my first home. Duncan made my first time buying a home so much easier than I ever imagined. Thank you Duncan for making the whole process so smooth and quick and not overwhelming! I always thought buying a home would take a long time and have lots of hurdles and headaches. I feel very lucky that I had been referred to you! Thank you! read more

This is our second time working with Duncan at Infinite Financial, from our very first time buying to a recent investment property. What had me coming back?.......Trust. In all times I have worked with Duncan, I knew he had our best interests at heart. I often dislike working with mortgage brokers because I feel they just want to get you into something as quick as possible with as little bother to them as possible. I've never felt this way with Infinite. I recall our first transaction where he is nothing less than fully supportive. He walked us through every step till close. I am little more experienced now, but he still always picks up when needed and answered every question big, small or even wildly hypothetical. Use Infinite Financial, you won't regret it! read more

Duncan and his team are incredibly kind, creative and responsive. They guided us to a loan product that best suited our needs.

We recently had the pleasure of working with Duncan and his team during the purchase of our first home. Duncan was highly responsive, and was excellent at explaining some fairly complicated items and concepts during the long process of purchasing a home. I couldn't possibly recommend another company better than Infinite Financial. Thank you to Duncan and his team! read more

Aloha, My husband and I are first time home buyers and we are grateful that Duncan was there to answer any questions we had about real-estate financing. We can see why he and the Infinite Financial team were highly recommended by our agent, Maryssa Briggs (who is absolutely AMAZING at her job). Not only is he very knowledgeable in his line of work, but he always tried to make himself available or get things done within a quick timeline. For example, getting pre-qualification letters ready within the next day or ensuring we would sign our closing docs prior to my trip. Overall, Duncan, Darcy, and the rest of his team made things easy as best as possible. Definitely go to Duncan and Infinite Financial if you are thinking about purchasing a home and need loan financing services. You will not be disappointed. Mahalo mahalo mahalo Duncan, Darcy, and I.F for making it possible for my family and I to buy a home. read more

Duncan was very knowledgeable and took the time to understand my situation and got me the best shot at getting a loan. His team is so very helpful and kept everything on track! I'll always be grateful! Thank you so much!!! read more

Duncan and team at Infinite Financial are exceptional. Not only are they are incredibly responsive and attentive, they are very knowledgeable. Duncan's expertise helped us get a great rate, in addition to providing the education needed for us to feel confident in our decision making throughout the process. We also want to shout out Darcy for her commitment to making sure we were always on track. We couldn't have done it without Infinite Financial - highly recommend is an understatement! read more

Duncan is THE BEST! He went so far above and beyond our expectations, taking the to explain and talk us through things at each step of the home loan process. E-mail, phone calls, texts, he was never difficult to get ahold of or to communicate with. As things progressed and heated up, we needed to adjust and fine tune some things with our offers in order to stay competitive, Duncan rolled with us, made things work, and kept us in the game. As everyone knows, the real estate market in Hawaii is INSANE and without his guidance and help we definitely wouldn't have been able to close on a single family home, where I'm sitting and writing this review from today! Cheers Duncan, BBQ at our place! 100/5 stars. read more

Duncan is the best lender in town. He made my home-buying process so easy and pain-free. I am so impressed with his attention to detail and motivation! read more

Duncan has been such a pleasure to work with. Our realtor, Erika Chisarik, highly recommended him for this creativity and knowledge, and Duncan still managed to overdeliver for us. Being a self-employed business owner with less than 2 years of employment history, Duncan was still able to get us qualified to purchase our new home. Duncan was on top of everything from the moment we met, responding to my myriad of questions at all hours, and ensured we were able to close and move in to our new home much earlier than the norm in Hawaii. He is a very knowledgeable and kind individual and our whole experience has been wonderful. I cannot recommend him enough!!! read more

Outstanding customer support from Duncan and his team! Second time working with Duncan and he always goes the extra mile to make dreams come true! Always recommend him to others looking for a home loan. read more

Duncan and Kathleen were a pleasure to work with and I would recommend them to anyone for their home financing/refinancing needs! They were always quick to respond and clarified any questions I had. read more