Welcome to “THE” source for all of your Mortgage Home Loan & Commercial Financing needs. Tera is Hawaii’s #1 Certified Mortgage Planning Specialist & Commercial Mortgage Lender! 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 also hangs her Residential Mortgage Loan Originating License with Mann Mortgage, LLC.  currently Hawaii’s #1 Conventional, VA & USDA Residential Financing Lending Corporation, nmls#2550.
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  New 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.
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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.


Worried About The Home Loan Process?

Tera allows the education process to put you at ease, keep reading….

people4-2.jpgPurchasing 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. Although sharing these secrets may not make her popular with the other Hawaii mortgage lenders, she is more concerned that you get all the information you need so you can make an informed decision when shopping for a mortgage. Tera has created a few guides that contain extremely valuable information designed to help you avoid costly mistakes while navigating the mortgage loan process.

To receive these free guides and other home buying tips, simply call (808) 870-3653. Call and schedule your no obligation free consultation with Tera today.

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

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” wallys way1.JPG   
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2007- “Woops, I Did It Again!” We made the “cut” for 2007′s Fastest 50!

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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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