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.

Just closed on a condo and worked with Duncan and Darcy for the mortgage. The whole process went…read morevery 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!

Aloha Team Freedom Mortgage!!…read more First off, give GOD all the glory and the praise he deserves for the opportunity that brought us together!! Thank you all (Trishia, Tony and those working behind the scenes) for providing me and my family with the utmost respect and support throughout our house hunting journey! We could've never accomplished this without your guidance, wisdom and the patience you all shown during this process Mostly to my brother Ben Cole (agent) of Home Smart Realestate (808) 798-5862, who's done an outstanding magnificent job of working side by side with me. Mahalo brother! I'm so thankful God prepared you for me, that led me to brother Tony and opened up the possibilities of me becoming, First Time Homeowner Words can't express enough how much thankful my family and I are for your Services rendered for us MAKING THIS PROCESS AS PAINLESS AND LESS STRESSFUL as can be!! Glory be to God and for your Team guiding us along the way May God continually to bless you all and those who you'll help in the present future! Again, Fa'afetai tele lava and Mahalo nui Johnny

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.

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!

I was very close to moving forward with another lender, until a friend recommended Preston Sims. I…read morereached out to him to see if they could be competitive, and I was pleasantly surprised. I knew after speaking with him that I was in good hands. Preston and his team made my first home purchase process a breeze. They stayed in constant communication via e-mail, text, and phone calls throughout the entire process. I cannot say one bad thing about my experience and I am grateful I found them through a good friend. You can trust them to stay on top of it, and we even closed a week ahead of schedule. Woohoo!

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.

My wife and I had an amazing experience working with Kama'aina Mortgage Group during our first…read morehome-buying journey. From start to finish, the entire team went above and beyond to make the process smooth, stress-free, and easy to understand. A special shoutout to Hayden Weighner, Taylor Kaiura, and Philip Nguyen for all of their hard work behind the scenes. Their dedication, communication, and commitment to finding us a great mortgage rate truly made a difference. They consistently worked in our best interest, answered all of our questions, and even helped cover expenses along the way, which made the entire experience even more manageable and appreciated. As first-time homebuyers, we were often times lost/confused about the process, but Kama'aina Mortgage Group made us feel confident every step of the way. Their professionalism, transparency, and genuine care for their clients set them apart. I honestly put all of my trust in their wisdom because more times than not I found myself asking "what do you recommend" and was never lead astray. I would absolutely recommend Kama'aina Mortgage Group to my family and friends without hesitation and already have. If you're looking for a team that will work hard for you, secure competitive rates, and provide exceptional service, look no further. Thanks to Hayden Weighner, Taylor Kaiura, Philip Nguyen, and the entire team for helping make our dream of homeownership a reality!

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!

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. :(