I am thoroughly pleased with Daniel Quach, Daryn Ogino and the entire staff of Smart Money Hawaii who got me out of a dire predicament that I was placed into with my former mortgage company, DITECH. I initiated a request to have them modify my mortgage to a fixed rate prior to the maturation date of my ARM in March of 2016. I also requested any and all benefits of the HARP program, which I learned from the media, was soon to end. I submitted all required documents required to start the process and got locked into a process nightmare. Ditech told me to wait for the processing to be finalized and then I should resume my payments with the new payment amount. To make a long story short, this process took almost 3 years of excuses and stalling by DITECH. Some of the reasons they gave me for the processing delay were: "Your account manage quit and we will assign you another one", "Your papers were sent to the Underwriter" "The Underwriter quit, We will restart the process" etc. I checked with BBB and found out that DITECH had a negative rating. I contacted Smart Money with my dilemma and they removed me out of this mess in a very short time. I will be forever grateful to Smart Money for securing my mortgage out of the hands of D ITECH and relieving me of the stress that I endured from 3/16 to 3/19. I felt that my initial request to modify my mortgage to a fixed rate from an ARM, take advantage of the lower mortgage rates and take advantage of any and all benefits of the HARP program, was a simple matter. I am now with a reputable mortgage lender and out of the clutches of my former inept company. My thanks again to Smart Money Hawaii for their superb work on my concerns and would recommend them to anyone with similar concerns. Mahalo Nui Loa!
We recently purchased our first house on Oahu with Robin Hood @ Smart Money. From the very get-go, Robin was extremely thorough, gracious, kind and professional. She took the time at the beginning of our home-buying journey to walk through various scenarios of payments, which helped us make a final decision on purchase price. Once we made a decision, her professionalism continued as she helped arrange all paperwork that the lender and underwriter required, and even coordinated directly with our realtor. It wasn't just their personality that won us - their rates were much more competitive than other commercial banks in the area (FHB, BoH, etc.). While a home-buying decision doesn't come every so often, I will be using Smart Money again in the future should/when I buy another home. I would wholeheartedly recommend Smart Money (and Robin) for their mortgage services!
I can't say enough about how much I appreciate the team at Smart Money. After being told by another mortgage company that my USDA loan would be denied, a friend referred me to these guys. I began working with Devan, who believed my file would be approved, and he walked with us every step of the way. Throughout the whole process, all of my emails and phone calls were returned promptly and he bent over backwards to make it happen for us. When we went to close the loan, their team was so, so kind and hospitable. The Vice President, Will, even took the time to congratulate us and express how genuinely happy he was for us. Incredible customer service. As someone who had no idea how mortgage loans worked, they helped me feel confident and helped me understand what was going on every step of the way. Can't recommend Smart Money enough.