A long overdue review, but incredibly heartfelt and full of gratitude…read more When the market and rates were getting really tricky in 2023, Shannon and her awesome team helped us through a very tough time and difficult refinancing of our home so that we could buy out the other heir to the property. Not only did she help us save our home, she also helped us to consolidate our debts and make everything manageable. They never gave up on us and fought to make it all work out. We'll be forever grateful. Thank you Shannon! Thanks so much for you and your fabulous team!

if there were 1,000 stars that's what I would rate ALS. The expertise, promptness, knowledge,…read moreconstant communication, attentiveness and so much ALOHA the list could go on and on. If you're looking for a lender that understands your needs, ALS is the place. Reach out to them FIRST. Triple Shaka to ALS. We are so grateful for YOU.

I worked with Duncan at Infinite Financial on a complex investment property refinance in Hawaii…read more 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.

Having trouble finding a lender? Fret no more. Infinite Financial is there to help you…read more 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.

What a process!!! We had a, "by the skin of our teeth" situation and I cannot emphasize enough how…read moregrateful we are for the amount of work and patience Daniel Relyea & Mimi Suemura did for us! They made us feel confident even though the wheels turning behind the scenes were sketchy regarding us qualifying and getting the deal done. So many little annoying details! We refinanced but also had to pay off a 6 figure heloc AND have a pretty big cash-out chunk in order to buy out a family member so to become the sole owners of our home of 28 years. Submitted everything to 1st lender thinking all T's were crossed and all I's were dotted, yet got a big fat no. Same with 2nd. 3rd lender, and Wa-La! 3x's a charm! Hopes and dreams CAN come true with consistent and persistent hard work AND quality help from an excellent team like the folks we found here at Hawaii Mortgage Experts! Use these guys, you'll be happy.

Brian Monroe is hands-down the best lender we could have asked for. We found him through a family…read moremember who's used Brian for many transactions in the past. Not only did Brian get us the best rate out of any lender we spoke with, but he made the whole process smooth, stress-free, and easy to understand. As first-time homebuyers, we had a lot of questions, but Brian was always quick to respond, super knowledgeable, and genuinely cared about helping us make the best financial decision. We've already recommended him to friends and family, and every single person has thanked us because Brian gets them the best rates too. He's honest, efficient, and truly has your back through the entire lending process. If you're looking for someone reliable, sharp, and who'll save you money... Brian's your guy!

Preston Sims and his "HI Five Team" are my family's go-to team for everything mortgage and…read morerefinancing. Preston and his team have helped us secure a mortgage last year, and refi'd our home when the interest rates decreased during the pandemic. Preston and his team are professional, dedicated, energetic, fun, responsive at communicating, and good at what they do. My husband and I know that he will always get the job done. If you need anything mortgage related, Preston and his "HI Five Team" are your team!

Loved my experience with Preston and his team! They really…read moredid help me a lot, and i felt cared for and attended to each step of the way. Great company, and people too!

Where to start. Todd and I connected via Hawaii inquiries, which then led me to a first home in CA…read moreinstead. From the very beginning I knew I liked Todd and he was going to be someone I wanted to work with, little did I know he could help me in CA!! Great surprise, we kept in contact and despite our time difference and my crazy long busy work schedule (where I would be so hard to reach and at odd hours.) Todd was there every step of the way he was patient with me and not "pushy" as some can be a bit overwhelming. Todd was always very nice to explain everything that was going on because I had ZERO clue on what anything was and how it all worked. I could not have chosen a better person to help me with EVERYTHING!! When I say I couldn't have done it without him, I mean it. I have been nonstop raving about my "mortgage guy Todd" to my friends and family and am constantly referring him because he's just so wonderful. I really hope you use if you are in search of someone because he has gone above and beyond to say the least. I could write so much more about how wonderful he is but by now you should get the gist. Todd, thank you so much for everything. I can't wait to purchase in HI next, haha yes a little far out of my league right now but we are going to work together again, I'm sure of it. Kaeli

If you're using a VA loan or any mortgage loan and want someone who truly understands the process,…read moreTodd French is your guy. He guided us step by step, never leaving us in the dark. His honesty, dedication, and knowledge brought us peace of mind during a stressful time. Todd worked hard to provide multiple options and always looked out for our best interests. I'm beyond thankful for the help he gave us and would absolutely recommend him to anyone needing a top-tier loan specialist. Five stars all the way!

I like this credit union and I love this location. I'm so lucky it's just right down the street,…read moretoo. I can even stop at times or kahala mall or Foodland because everything is so close! I opened a Hawaiiusa account a long time ago because they were doing a promotion for teachers. I like that they offer things for teachers. This branch particularly has very nice tellers. The line can sometimes get long, but the tellers are fast and they're so friendly. They all seem to enjoy working here. I like the parking lot. I've never had to wait for a space. I don't have to pull a ticket like at the other downtown Hawaiiusa location, and I don't have to walk so far from my car to get to the doors like at the Ward location. I've never had issues with keeping my money here. I use the online site to check balances and transfer to other accounts. It's been a 10/10 experience using this bank and I would prefer to come to this location as opposed to all the other locations any day. They even have popcorn sometimes. I love popcorn.

25 year of regular banking here. This is the absolute worst financial institution to use if you…read moretransfer money. They had me set up micro transfers from them AND TO THEM AND IT STILL WOULDN'T TRANSFER. After 5 days of waiting for the multiple micro transfers and completing every thing they told me the transfer couldn't be done because of a 5k$ limit. Even the app creates difficulties when adding external accounts. It has a needless requirement for you to log in with a pc AFTER a secondary password text. The options I was given for a transfer over 5k was to spend 40$ for a bank wire or spend MORE time figuring out where to mail a cashiers check. I am taking option 3 and closing the account tomorrow for free. I wish I closed the account sooner and not wasted a week of time. I am positive I will be spending less time overall opening an account elsewhere with a more progressive bank.

We worked with Hi Five Team Loans powered by Kama'aina Mortgage Group and specifically Preston Sims…read moreand Kira Maddox for our recent home refinance and it honestly couldn't have gone smoother. After attempting to refinance with a large company and having it go really poorly to the point we pulled the plug, Preston and crew handled us with such care. They were highly responsive and used as much of our work from the prior attempted refi as they could, including the appraisal we had already paid for. They got us a great rate and walked us through the whole process step by step, readily answering any of the questions we had and trying to make things work for us in the best way possible. We can't thank Hi Five and Preston enough! Highly recommend!

John and his whole team is "top notch", they fight for you until the job is done. John never gave…read moreup and kept on smiling through the tough of it. At the end of the day, everything came out smelling like roses! Could not have asked for a better experience. V&J Diaz hugs Mahalo!

There is a lot of info out there on different services providers such as food eateries, limo…read morerentals, but there is very little feedback on mortgage brokers which is why I am writing this critique. Hope this information helps you make a good decision on your mortgage needs. My wife and I found our dream house and almost lost it because of Pacific Mortgage. We committed to a 45 day loan, & were continually told everything was on track till the week before signing. Our loan got extended 2 weeks due to the procrastination, and chaotic disorganization of Pacific Mortgage!! As a result, we ended up paying lots of extra money in addendums due to our late closing almost lost our dream home. Luckily, our sellers did not walk, but you may not be so lucky. Pacific Mortgage had a laundry list of required items that we diligently provided within the first week. Initially, they were attentive to our needs & took the time to explain the process, diligently returned our phone calls, but once they had us committed, they were rarely accessible; never answering phone calls, always in "meetings" when we called, & took days to return phone calls/emails. We felt like once they had us committed, we were put on the bottom of the pile of loans they had to close. They were constantly scrambling & in disarray. Incidentally, the paperwork we so diligently provided during week one, we ended up providing over 20% of it again. They often claimed they lost it, or could not find it, but our impression was they were too disorganized or lazy. It was easier and faster for them to ask for it again rather than search their emails for the documents. More importantly, where did our lost paperwork go? This paperwork had sensitive information like SSN's, income, date of birth, etc. I've heard the same stories from numerous people that used Pacific Mortgage, and I should have listened, but their rates were too attractive, or maybe not? After closing the loan, I ran my paperwork past a mortgage friend of mine & was sadly educated that my deal was as not as sweet as I thought. There were a lot of "hidden" fees that the average person doesn't know about, so although the loan rate may seem low (APR), his APY was actually higher than others. When getting your loan figures, ask for APY...this is what you need to compare. I wish I knew that. Additionally, when purchasing a mortgage, part of what you are paying for is customer service. You are paying to get the loan closed on time, you are paying for your loan officer to be efficient, organized, & to be able to fight for your needs or make phone calls when necessary. Pacific Mortgage doesn't have any of these relationships. They deal with internet financiers that don't take phone calls, that don't have underwriters that can be called, so when it comes to getting clarification on unique situations, Pacific Mortgage makes you provide ungodly paperwork and documentation that takes hours to research because they can't get clarification like a normal lender does. This wouldn't be so bad if all these speed bumps were discovered early in the process, but because we were just a number at the bottom of a pile of applications, these bumps were only discovered in the 11th hour, and we were left scrambling for documentation. It was very stressful & we basically felt hostage to the situation & every day in the last week of closing, we were dropping everything in our lives to get documentation that could have easily been requested early in the process. We felt like we were working for them, & it should be the other way around. We were constantly told...."It's up to you, but if you don't get this paperwork, we probably won't close on time". And we still closed 2 weeks late!! They were constantly turning the tables on us & tried to make us feel like the reason why the loan wasn't closing on time was us, when all along it was because they take on way more loans than they are staffed for. I had other friends that financed with Pacific Mortgage & they all had the same experience! Be forewarned!!! If you are looking to close on time or find the house of your dreams, do not use Pacific Mortgage!!! Although you may think you are saving money, in the long run it will cost you more money due to late closing fees, or worse yet, it may cost you your dream house especially if there's a backup buyer. The Mortgage industry has no regulatory fine/penalty for brokers and loan officers that don't close on time. There is no agency that regulates the ratio of loans to workers, yet in the end, the people that suffer are the mortgage applicants. The only power that regulates whether loan officers close on time or not is reputation, good or bad, which is why I am writing this to hopefully protect the consumers from bad practices. I hope this critique helps.

I had a similar experience. Not as bad tho. Definitely bad management at Pacific Mortgage…read moreCompany, and the workers weren't happy either. Best to stay away from this company. Someone should report them to the Better Business Bureau. Wish I had read these reviews before choosing my broker. :(

Outstanding service! Very knowledgeable and easy to work with. Will help you out on a very…read moreinterpersonal level. Highly recommend for anyone looking for a great, dedicated financer!

Throughout the entire loan application process, from inception to the end, working with Troy has…read morebeen nothing but wonderful. He is very knowledgable, open to communication, and willing to answer the plethora of questions I am sure I had. When I needed clarification on numbers, he was there to answer them any time of the day. He goes above and beyond to ensure we got a great rate from sifting through the hundreds of available loan companies that match our needs, to waking up in the early hours of the morning when the market opens. He constantly kept me updated on market trends, patterns, and even answered the hypothetical questions I had. I highly recommend Troy for your financing needs, and can't thank him enough for his hard work, and Joelle Seashell for connecting me with him.