I truly cannot say enough good things about Tera and everything she did for us throughout our refinance. This was so much more than simply refinancing a home. Tera was patient, supportive, communicative, and truly dedicated to helping us get through this process. Having this refinance finally completed has relieved an amount of stress that is hard to even put into words. Tera, you didn't just help us refinance our home — you helped give our family a fresh start and a sense of peace that means more to us than you will ever know.

We were on the verge of having to leave Hawaiʻi because buying a home here didn't seem possible, especially with my credit not being the best. Tera and her team changed everything. They guided me step by step, told me exactly what to do, kept me on track when I doubted myself, and reassured me through all the stress and anxiety. Getting the keys to our first home was truly a dream come true. Top-notch service, genuine care, and a team that feels like family.

I don't know how many times my heart broke when we kept getting NO NO NO. Then I reached out to Tera of Hawaii Financial Services, LLC and she said CAN!! She gave me rules and guidelines to abide by to get us to where we needed to be to owning our own home. Even when we were about to close, got yet another NO, but she already had a backup plan and we still closed with no delay. Finally we are here today, KEYS IN HAND, with a brand new home on Maui!

"Captain Save A Loan" is what we call her… "TERA PALEKA". We were in escrow for about 7 months with another loan company. After hearing Tera's radio commercial, I emailed Tera the scenario we were in. She immediately got back to me. BOOM SHAKALAKA…we were closed out in less than 2½ weeks. We didn't have to bring in any down payment and our monthly payments were even less than Tera originally quoted us! Tera you and your staff are amazing!

You accomplished something that I had attempted 3 times in 10 years and made it to the finish line in under 30 days! You showed amazing determination in my case both professionally and personally, which no other banker or financial institute had done all these years. If you need someone that will guide you and shine light where the bumps in the road may lay — it's Tera Paleka at Hawaii Financial Services!

We found in Tera Paleka, someone who understands the values that Kūpuna passed down through the generations. She is driven to excellence and getting the job done. Email her at 4am and she responds. Our whole process took under 30 days. It wouldn't have happened without Tera at Hawaii Financial Services.

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 needs. Mahalo, The Gardanier Ohana

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. 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 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 a 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!

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. As first-time homebuyers, they walked us through every step and made sure they were getting us the best deals. Mahalo to Tera Paleka and the entire team at Hawaii Financial Services. You guys Rock!

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. They are awesome to work with and genuinely care about their clients. MAHALO!!

I am grateful for Tera providing my 'ohana with the opportunity to purchase our first home. Our dream has become reality. We were blessed to have Tera financing us with no down payment as well as we were able to move into our home ahead of scheduled closing date. I am so grateful for Tera and her persistence, diligence, honesty and aloha. I highly recommend Tera Paleka for your mortgage needs!

Want to own a home in Hawaii?? Call Tera!! As a young family of 6, with one income, raising family and owning a home in Hawaii seems near impossible. She worked her tail off through it all and got us beyond our wildest dreams! 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!!

Within hours of calling Tera she not only had us approved for the 100% program but she spoke to the seller of the home who decided to give us another chance to close the loan. Tera actually closed our loan in 3 weeks flat! She got us a loan paying more than a thousand dollars LESS than our original quote with the lender who failed us! Thank You Tera Paleka! Thanks to you our dream has come true!

Tera did a lot of good things for me over the years. She has helped me purchase one of my investment homes and refinanced three of my homes to get better interest rates lowering my monthly payments. Tera is awesome — she takes care of everything and lets me know exactly what is going on at all times. I recommend Tera to anyone who needs to get a loan!

Everything totally works out and I am never worried with you Tera! We are really happy and Thank You so much for getting it done where others could not! You have a customer for life now! Great Job!

Thanks Tera!! With your mad re-financing skills, we will be saving $590 per month!! I love dropping mortgage rates. You Rock! If anyone needs to refinance or buy a home and want to save money then call Tera Paleka!!

I can't think of anything you could have done better! You are my new best friend. I have told all my friends to use you for all their Hawaii home loans! Any girl that isn't afraid to meet me in the Waihe'e Valley to sign my loan docs is a rockstar in my book!

Being a self-employed borrower I was worried about the loan process but with your help and advice I knew we were in good hands right from the start. Your service was excellent, without the usual expected grief. We are very satisfied. Looking forward to near future transactions.

You guys are the best! We were referred by our friends and they were right. You got us the best rate! With the least amount of paperwork hassle and we didn't expect that. You got us a better deal than you originally quoted us and we can't say enough good things about your service. Thank you Tera!

Thanks again for all the wonderful work you and your team have accomplished. I never doubted your caliber and persistence. I am glad we got it done in such a short time (15 day closing). With the quick, accurate and professional way you helped me when my other lender failed — thank you and your staff for a job well done!

Our pleasure to work with the most amazing lender on Maui! Tera Lyn closed this transaction in just 25 days which is almost unheard of. You made what normally would have been a deal killer a 'non-issue' and all within a day I might add. You are an amazing lender!

It took me awhile to find a lender I could deal with. My Business Banker told me about Tera and after our first visit everything went very smooth. I would rate Tera and her staff at a 10. I have never met anyone like her! Tera got me a better rate than what she quoted me. I recommend Tera to everyone I know!