Tera and her team did an amazing job with the re-finance of our home. She did a great job in working out the best deal she could get. We were a bit nervous with the rates starting to rise. Tera and her team were able to pull it off in a timely manner. I would recommend using Hawaii Financial Services for any of your mortgage and re-financing need. Mahalo, The Gardanier Ohana

Tera and her group are amazing!! We are 'self employed' business owners who were turned down by the traditional banks when looking to purchase our first home on Maui. It was not an easy task, but Tera and Hawaii Financial Services made it happen!! In an amazingly quick time, especially considering all the holidays. We are so grateful to them for helping to make our dream come true. They are awesome to work with and genuinely care about their clients. Communication and updates were great! They made a challenging process as easy as possible and really went the extra mile for us. MAHALO!!

Want to own a home in Hawaii?? Call Tera!! I'm serious. Call her. Email her. Send in your application to her, no matter how scary or discouraging the thought of homeownership ma Hawai'i Nei may seem to you. As a young family of 6, with one income, raising family and owning a home in Hawaii seems near impossible. Enter Tera Paleka and the Hawaii Financial Services team. My husband and I have used Tera in two separate instances. First, we went in on a home which fell through...heartbreaking, but then there was Tera. She totally held space for us to find hope and continue to have faith that our time and our home would come! In a time when any other business person might have cut their losses and moved along, she kept relationship and an "open door" space for us. To me, that's a big deal. Our second run, during the covid pandemic, we looked at so many homes, ran so many numbers, and Tera was there. Through a moment when she was dealing with her own wellness challenge AND the covid crisis alongside the rest of the world, she worked hard for us! Owning a home was our dream, but Tera shared in that with us by working her tail off through it all and getting us beyond our wildest dreams! No kidding, she works MAGIC! I would put money on it...NO ONE could get us the deal that Tera did! Before the close of 2020 we were homeowners, with unbelievable rates, in a highly coveted neighborhood. One income, 4 kids, 6 mouths to feed. Tera got us there! Mahalo Piha Tera!! Me ka na'au ha'aha'a, Ka 'Ohana Baza-Triulzi

We are truly grateful for Tera and her team. No pandemic stopped them from getting our refinance. They worked very hard to complete the process quickly. Even though we did not get to meet them in office due to pandemic, the communication through email was awesome. I would recommend them to anyone and I will continue to use them in the future. Mahalo Tera and team LOVE THE ANDERSON

Tera and her team was by far and exceptional experience! She was very positive, friendly and professional! I will continue to work with Hawaii Financial Services with my next purchases.

Tera and her team exceeded ANY and EVERY expectation we had. We wouldn't have been able to purchase our home without them. As first time home buyers we had no idea what was needed, but Tera made us feel like this process was breeze! We came to her unsure if it was even possible to buy a home in Hawaii, but she got us preapproved the next day! We even closed on our dream home in under 30 days! She was so fun to work with and I would recommend her to every single person/family who is looking to buy a home. We are so grateful to Tera & the Hawaii Financial Services team because no we get to raise our children right where we grew up! Thank you Tera!!!

I want to sincerely thank Tera and her team for helping us buy our first home! She was really knowledgeable about the whole process and worked hard to help us get the best deal possible. Our credit was not the best, so she is helping us still to refinance in the future to get an even better deal. She went a step beyond anything that I was expecting. Would definitely recommend her to anyone and everyone! Mahalo Tera!

This team is OUTSTANDING! They have worked so hard to get us to where we are today, sitting in our new home. Without their hard work, late nights, early mornings, and all the stress we added to them, we wouldn't be where we are today. They always answered our questions, even the ones we thought were crazy. As first-time homebuyers, they walked us through every step and made sure they were getting us the best deals that would be beneficial to us now and in the long run. Mahalo to Tera Paleka and the entire team at Hawaii Financial Services. You guys Rock!

Tera Paleka and her team are the best! Tera got me a way better deal than anyone else could on my mortgage AND we closed early. She is thorough, detailed, explains everything and really knows her stuff - I highly recommend her!

Can you say AMAZING! Without Tera and her team, my family and I would have never been able to reach our goal of owning our own home! I truly appreciate what Tera went through to get us to where we are today! Even when we were knocked down more times than I can imagine, and I was beginning to lose hope, Tera fought for us like nobody’s business! She showed me she’s wasn’t about to take no for an answer! For that, I am forever grateful! Thank you for not giving up on us! If anyone is looking to buy a home... hands down! Tera and her team is the way to go! If others can’t help you, you better believe she will! Not paid, not sponsored..... she is just THAT GOOD!