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

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.

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 in 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.

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 ANDERSONS

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 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. 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.

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! 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! Not paid, not sponsored — she is just THAT GOOD!