Aloha & Welcome to Hawaii Financial Services

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A Small But Mighty, Locally Owned Business By A Proud Maui Girl, Financing Homes Statewide Since 2003!

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HIFIS is powered by over 100 Wholesale Investors using just one credit report!

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(808) 870-3653

Aloha & Welcome to

Hawaii Financial Services

HIFIS is powered by over 100 Wholesale Investors using just one credit report!

Get Started
Ainoa Kahakuloa Kalo

About Me

Welcome to
Hawaii Financial Services,

THE source for all your Hawaii Mortgage Financing needs.
Real estate is one of the most exciting investments one can make in their lifetime, 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 rates for your financing needs but Tera is focused on educating you about how your home financing structure will benefit your ‘ohana for the years to come.

Click here for a message from Tera Paleka

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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.

Tera 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!

What’s App Me!

Tera's Achievement

Shameless Brags About Tera

Hawaii’s first Certified Mortgage Planning Specialist

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

Published author of “Wally’s Way”

Tera is the published author of “Wally’s Way” a book of life lessons from an old soul who can help anyone change their outlook on life to a more positive and passionate one.

HIFIS Named #1 Locally Owned Mortgage Brokerage

Tera was honored by the Governor as Hawaii’s Number 1, 100% Locally Owned Mortgage Brokerage as well as being Hawaii’s 4th Fastest growing business out of the states most profitable 50 companies.

Ho’oulu Fastest 50 Awardee

Tera was again honored with another Ho’oulu Fastest 50 award from Pacific Business News, First Hawaiian Bank, Becker Communications & Altres HR.

Our Services

Hawaii Financial Services Offers

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100% Construction to Perm, DHHL Financing Available!

Explore our 100% Construction-to-Perm Loan not just for a regular lot of land but we also have and do finance DHHL Lots! Enjoy seamless financing from the ground up, making your homeownership dreams a reality.
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VA Loans

As Veterans received only the best when it comes to using your VA Benefits. Tera is a member of the
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FHA Low Money Down & Streamline Refinance

Borrowers can qualify for an FHA loan with a down payment as little as 3.5% and a credit score of
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Self-Employed Borrowers & Investor Programs

Like most self-employed borrowers we too write as many expenses off on my taxes thus reflecting
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Commercial Lending & Hard Money

Private money investors
Peer to peer lending
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Hours of Operation

  • Monday-Sunday
  • 4:00 am to 4:00 pm (Office)
  • Office Phone: (808) 667-LOAN (5626)

Lahaina Office Location (Being Rebuilt):
727 Waine'e Street, Suite 107
Lahaina Maui, HI 96761

Wailuku Temporary Office Location:
1063 Lower Main Street, Suite 221C, Wailuku Maui, HI 96793

Tera works from
4:00 am to 3:00 pm Monday - Sunday

Tera's Team works from
8:00 am to 4:00 pm Monday - Friday

In the Real Estate business, true professionals are always on call! Hawaii Financial Services isn’t necessarily open like a “24 hour convenience store” but we do tend to work all different hours and days even if it’s not advertised.
Only work with the professionals that go this extra mile!
Just call, WhatsApp, text, email, or snail mail!
We are available to help you almost any day and anytime!

Let’s hear from some of Tera’s satisfied clients

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Get In Touch

Contact Info

Hawaii Financial Services

Lahaina Office:
727 Wainee St. Suite 107
Lahaina, HI 96761

Wailuku Temporary Office:
1063 L. Main Street, Ste 221C
Wailuku, HI 96793

Telephone

(808) 667-LOAN

eMail Us

Team@HawaiiFinancialServices.com

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100% First Time Homebuyer USDA Loans

USDA home loans offer 100% financing, low rates, and affordable payments. The United States Department of Agriculture (USDA) sets lending guidelines for the program, which is why it is also called the USDA Rural Development (RD) Loan. This mortgage type reduces costs for home buyers in rural and suburban areas. It is one of the most cost effective home buying programs in the marketplace today.Since its inception in 1949, the USDA Rural Development loan has helped over 1 million home buyers obtain housing with little or no money down. In 2011 alone, 130,000 people benefited from the program. Read on to see how you can buy a home with zero down.

VA Loans

As Veterans received only the best when it comes to using your VA Benefits. Tera is 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!

FHA Low Money Down & Streamline Refinance

Borrowers can qualify for an FHA loan with a down payment as little as 3.5% and a credit score of 580 or higher. Monthly Mortgage Insurance is mandatory for all FHA loans. Non-Approved Condo’s are okay most of the time. We get them FHA APPROVED or ReAPPROVED! We not lazy dats why!

100% First Time Homebuyer USDA Loans

Like most self-employed borrowers we too write as many expenses off on my taxes thus reflecting low to loss revenue as allowed by the tax code. Because of this it may be next to impossible to receive a new mortgage because of harsh lending guidelines. But… Hawaii Financial Services is here to rescue you with the following loan programs (I assure you these are current and real programs we offer!)
  • Self-Employed Bank Statement income qualification with or without asset amortization
  • Qualify strictly off cash flow of subject property with NO vacancy factor
  • Credit Score as low as 640 (soon to change to 580!)
  • No Seasoning for Cash-Out
  • Borrowers can own unlimited financed properties
  • Cash-Out up to 2 Million
  • Interest Only Available
  • No Income/ No Asset Qualification-No Tax Returns, No 4506-T, No Debt To Income Calculated

Commercial Lending & Hard Money

  • Commercial & Non-QM Loans
  • Private money investors
  • Peer to peer lending
  • 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!

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