Smart Money is a mortgage broker servicing the State of Hawaii. We specialize in conventional, VA, FHA, USDA, portfolio, and hard money residential home loans. Whether you’re a first time home buyer or investor, we can help. We have access to many lenders and guidelines, which in turn give you the best options. More importantly, banks and lenders compete for your business. This ensures you are getting the best rate in the market. Working with a mortgage broker gives you many advantages because with one credit pull, you’ll have access to many lenders. To do the same job as one mortgage broker, you would have to visit hundreds of banks, pull your credit each time, and work with many different people.