"Because HOW You Buy & Refi IS AS Important AS WHAT You Buy & Refi!"




cute boys.jpgWelcome to “THE” source for all of your Mortgage Home Loan & Commercial Financing needs. Hawaii Financial Services offers solutions for all real estate financing concerns including but not limited to; private money investors, non-recourse financing, bridge loans, manufactured homes, asset depletion and/or pledged asset loans, apartment buildings, assisted living/Senior housing, joint ventures, acquisition & development loans and much much more all over the Hawaiian Islands!

Tera hangs her Residential Mortgage Loan Originating License with Mann Mortgage, LLC. NMLS#2550 main branch is located Downtown at 1188 Bishop Street, Penthouse 2, in Honolulu. There are also Kahala, Kapolei & Hilo offices with Maui’s office coming soon!  


Tera is proud to have been Hawaii’s First Certified Mortgage Planning Specialist receiving her certification in New York visiting the NYSE in 2006.


As Veterans received only the best when it comes to using your VA Benefits. a member of the Veterans Association of Real Estate Professionals Tera is honored to be at the forefront of assisting our United States Veterans in obtaining only the best financing for their VA Benefits!

Real estate is one of the most exciting investments one can make, and it should be a rewarding experience. Tera offers an informative honest experience with competitive interest rates for all aspects of purchase home financing & refinancing in the State Of Hawaii! Tera believes that “How You Buy & Refi IS As Important As What You Buy & Refi!” You will not only feel at ease knowing you are receiving the best terms & interest rate for your financing needs but she is focused on educating you about how your home financing structure will benefit your ‘ohana for the years to come.

 Worried About The Home Loan Process?

Slow down and be sure to make the right choice for your family & future! Don’t let anyone pressure you into rushing one of the most  important decisions you will  need to make for your financial future.

6MO007_small.jpgTera allows the education process to put you at ease, keep reading….


Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars upfront or over the lifetime of their loan. Tera can offer tips and secrets that assist you along the way. 

I know it can be a long road financing your dream. Give me a call today and  let me take you home! 

Call and schedule your no obligation free consultation with Tera today at

(808) 870-3653. Or Click This Link To~


Tera is a proud Rotarian with the Lahaina Sunrise Club. We meet every Tuesday morning at the Historical Lahaina Pioneer Inn at 7:AM. To learn more about our group please visit our FaceBook page by clicking the link below.

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Check out Tera’s book,”Wally’s Way”  

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 2007-2008 We made the “cut” for 2007′s Fastest 50!

2006-2007 Hawaii Financial Services was named 4th largest privately held Mortgage Brokerage in the state of Hawaii & awarded its first Fastest 50 Award!


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2006- Tera Paleka Awarded 4th Place for the “Fastest Growing Small Business” from the State of Hawaii, Pacific Business News, PriceWaterHouseCoopers, First Hawaiian Bank and Pacific LightNet!



Whether you are a first time homebuyer or a seasoned veteran I have all the resources you need to buy real estate in Maui, Hawaii and Hilo.

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Find out how much your home is worth and how I can help you get top dollar for your home.

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