Happy Home Owners
Hear what some of your friends and neighbors have to say about working with Cardinal Hawaii.
"What made this experience great was that throughout the whole process, I was always guided through every step without having to ask any questions. Never once throughout did I feel lost or confused. Everything I needed to know was specifically stated and made me feel more confident. Thank you."
"Very knowledgeable on financing on the Big Island. Save yourself the heartache and trouble and get with Steve right away. He answers and returns phone calls immediately and treats you as if he knew you prior to your first conversation. Thanks again, Steve."
"I was very impressed with Duncan and his staff on their responsiveness in handling my recent property transaction in another state. He was able to accommodate my busy travel schedule with getting the necessary documents in order that I may be able to submit offers for a new property purchase in a very competitive market."
"Tom provided me with honest and reliable information. He explained things very well and made sure I understood and was kept updated during the loan process. Tom kept the ball rolling and the loan was completed in the time frame promised. Made me feel confident that I was working with a great business person who knew his product. Mahalo Nui Loa."
"We have worked with Cheryl for over 16 years. We have referred her to friends and associates. She is someone that you can trust. She will listen to your goals, clearly communicate the next steps, and provide the best affordable loan choice."
"Duncan Hsia is the reason we own our home today. From my initial grumblings about wanting to sell my condo all the way to financing our new single-family home, he had the expertise at every turn to make it all happen. Duncan knows his stuff and gets results! Five stars across the board; I highly recommend him."
"Ashley was very pleasant to work with. She is very timely with estimates and is able to get your paperwork done in order to close. It was a pleasure working with her."
"Steve has extensive knowledge of the laws and rules regarding his industry. He helped me refinance in my building and overcame a hurdle that was vexing me and others in our building. That hurdle was something that others didn't know how to overcome, and Steve was able to get it done legally and professionally."
"Working with Duncan was great. He provided us with thorough advice and helped us make the most of our purchase with promotions and suggestions on getting the best rates. He was available at times that I would not expect him to be, and he always followed up with us promptly and by his word. He was very easy to get along with and never caused us to feel pressured during any part of the process."
"Transaction was fast with a feeling of confidence. Tom Corvo and his team did what they said they would. I would recommend to anyone. Thank you!"
"So many other professionals told us we could not obtain home financing for our luxury estate home to meet our goals. Cheryl listened to our needs, found us the perfect financing leverage terms, low cost of capital, and delivered on time."
"Steve was a pleasure to work with. He was easy to get in touch with and very responsive. Steve worked hard to explore multiple options for our transaction and was great at explaining the nuances. In the end, he was able to match us with a great Loan and ensured a smooth process to the closing. Thank you, Steve!"
"Cheryl is someone you can trust and will help you obtain the best financing solution. She provides great service, made navigating the loan process easy, and worked hard to accommodate our busy schedule."
"Duncan Hsia's performance as a loan officer is nothing short of spectacular. I have financed home loans in excess of 20 times, four of which were with Duncan; thus, I have a great deal of experience in the home loan process and comparing the performance of other loan officers against Duncan. I can say without question that his work ethic and attention to detail are unmatched and I would consider him the premier loan officer in the State of Hawaii. He has processed four different loans for me in the last four years and I will never employ the services of another lender again. Duncan is my loan officer for life. Buying or refinancing a home is an extremely stressful time. Therefore, do yourself a favor, don't waste time even talking to another loan officer. If you want results and a stress-free experience knowing the loan will be finalized, call Duncan Hsia!"
"Duncan and his team provided excellent service. Very helpful, very informative, with a non-pushy attitude. He has a lot of patience. Back to back emails making sure we had everything we need to get the loan approved. He checks in and let us know where we were in the process of getting the loan every step of the way and that was very reassuring and stress relieving. I would recommend Duncan to all my friends and family. EXCELLENT!"
“Duncan seemed to always make himself available to take my calls and was consistent about providing updates and suggestions. He is also very knowledgeable and experienced. I highly recommend him.”
“Between purchases, refinancing, and HELOC, I have done 7 loans in past five years, two of which were with Duncan. After doing this most recent loan with Duncan, I realized I have NO reason to do a loan with anyone else. He is extremely thorough, available, honest, experienced, explains the process, and even helped me work through frustrations of a concurrent loan with another loan officer (big mistake on my part – Duncan deserved to and should have had both loans). The two loans I’ve done with him were not easy – VA and jumbo non-owner occupied, yet he was able to work with us and the lender to close the loans in the manner we wanted/needed. Best loan officer I have worked with, hands down.”
“Duncan is always willing to take extra steps to help. Frankly I do not think I would get through the loan process without his help. very satisfied and will do business with Duncan again.”
“I was very impressed with Duncan and his staff on their responsiveness in handling my recent property transaction in another state. He was able to accommodate my busy travel schedule with getting the necessary documents in order that I may be able to submit offers for a new property purchase in a very competitive market. Timeliness, market knowledge and his network helped me close on my property on time and his attentiveness across the country time zones were all important factors that I would highly recommend Duncan Hsia. I would definitely be a return client for future purchases and loan transactions.”
“Duncan and his team did great in going above and beyond to work with the underwriters to get our loan pushed through and close in time! This was our first home purchase and they were there for us through the entire process.”
“Duncan Hsia is the reason we own our home today. From my initial grumblings about wanting to sell my condo all the way to financing our new single-family home, he had the expertise at every turn to make it all happen. Duncan knows his stuff and gets results! Five stars across the board; I highly recommend him.”
“Duncan Hsia closed a VA loan that seemed near impossible on many occasions. He was professional and timely every step of the way. In purchases and refi’s over the years, I have worked with six loan officers – some good, one awful, most just fine; Duncan, the best. He will most definitely be who we use for future lending needs.”
“This was my very first condo purchase. The first service Duncan provided was finding me the right loan for the apartment that I wanted. I’m fiscally conservative so this whole process was extremely stressful, but Duncan asked for information, provided me details, options, what-ifs so that I felt confident enough to follow through the entire process rather than cut-and-run, which is my typical money-stress response. Secondly, I try to read and understand everything given to me–which, in this case was considerable. I also ask questions as much as I can and require a lot of explanation in very small words, and repetition of the explanation until things sink into my head. Duncan was patient and thorough. To add further complexity, I was out of the country for almost the entire closing waiting period, and there were some last-minute issues with my down payment funds. Duncan calmly figured out the timing/a solution. SO grateful. So now my condo has been purchased with relative ease, and I am grateful.”
“Working with Duncan was great. He provided us with thorough advice and helped us make the most of our purchase with promotions and suggestions on getting the best rates. He was available at times that I would not expect him to be, and he always followed up with us promptly and by his word. He was very easy to get along with and never caused us to feel pressured during any part of the process. It was very clear Duncan had a lot of experience helping people get financing and complete their house buying process. I couldn’t have asked for a better experience; it exceeded my expectations.”
“Duncan did a fantastic job within such a small time window. He was very prompt and on top of everything. We would highly recommend Duncan. Since we are not local, communication was via emails and phone calls. This wasn’t a problem. He responded quickly and answered all our questions in a way that we could understand. With very little warning, we made a quick last-minute trip to Honolulu. Duncan was able to pull together the loan approvals, so we could personally sign all of the documents and close escrow early. We were able to personally meet Duncan. He is warm and friendly. He conducted himself in a very professional manner.”
“Duncan provided diligent service and always remained professional even on occasions when extra guidance was requested, or circumstances outside of what could be considered “ordinary” needed to be dealt with. He is confident, knowledgeable, and held his composure during times of stress-primarily due to the number of sellers which created a complex situation. Duncan is an asset to this profession and I would recommend him highly.”
“Duncan is an AMAZING person to work with! His expertise and dedication are exceptionally beyond like no other. You will find him very easy going, diligent, and accommodating. Due to my complicated financial situation, my journey of house hunting was getting to be very stressful and tedious. Along my path, I’ve worked with loan officers that could not manage to close successfully. With several offers being accepted to the last days of closing, it was never completed. It was a roller coaster ride that caused me to slowly lose hope. I took a couple months to regroup. Back on the horse again, I decided to give myself one more try. This time with faith that Duncan Hsia would be my loan officer savior. I explained everything of what I’ve been through and he kindly took my intricate case on. Shortly, I put another offer in for a second home in Honolulu (I primarily live in CA). The offer was accepted and 45 days later, Duncan’s abilities worked like MAGIC! With the many challenges, persistence, long distance, and time differences involved, he was capable of processing all transactions with finesse. I finally and successfully closed. Duncan is very patient and thorough with explaining everything step-by-step. When in doubt, he’ll give you hope and guide you in the right direction. Very elaborate, creative, and flexible. His knowledge and skills exceed the unexpected. No matter what time of day, he’ll take you under his wings and continuously give you that extra mile. It was an overwhelming experience. His professionalism and prompt services are definitely 5+ stars across the board! Words can’t express how appreciative I am. He is one of a kind and is the perfect person to work with. You’ll have no regrets. Remarkable job, Duncan!”
“Duncan was great and aided me in a complicated refinance flawlessly. Highly recommended!”
“We just closed on a home loan thanks to Duncan Hsia’s efforts. Due to my employment situation, other lenders, including the big-name banks, wouldn’t qualify me, but with detailed documentation and Duncan’s persistence, we finally got our loan after several years of house hunting. Duncan answered emails, phone calls, and text messages virtually 24/7 and I always got a response within an hour or two, including weekends. Highly recommend him.”
“Duncan Hsia came highly recommended by my realtor and it’s very clear why. Due to starting a new job, some past credit issues, and limited cash savings, I was told that I could not get a home loan of any kind. When I first met with Duncan, the first words out of his mouth were “No problem, let’s see what we can do.” It wasn’t easy, but he worked tirelessly and diligently to find the perfect loan for my situation. There were a few bumps along the way, but Duncan took them all in stride with his trademark ‘no problem’ perspective. He promptly answered my questions 24/7 and was always trouble-shooting to avoid the next bump. He kept me informed of the process and even sent me daily e-mails informing me of the interest rates and market trends to help me decide when to lock my interest rate. I locked at the perfect time and got a great interest rate right before they started to increase! He patiently guided me through the home-buying process and I cannot thank him enough for taking on such a difficult loan. It’s been two weeks since I closed on my home and I can say with certainty that I would not have been able to do this without him.”
“All I can say is that Duncan Hsia is the best loan officer I have ever worked with. His work ethic and determination were instrumental in getting my loan approved. I had a very complicated financial situation that required a great deal of attention and Duncan went way above and beyond what could ever be expected of a loan officer. I highly recommend Duncan for your future loan needs. I myself will only use Duncan for any future loan I may need.”
“Duncan Hsia was great to work with. He helped me obtain a lease to fee conversion on my Honolulu condo. Highly recommended!!!”
“This review is way overdue, but I really want to thank Duncan Hsia for everything that he has done for me. I first contacted Duncan back in February 2013. He was recommended by my agent when I was buying a property. He answered all my questions because this is my first time purchasing a home in Hawaii. He responded quickly to my emails and he would always return my calls. However, things fell through two months later. I didn’t get the house and I was disgruntled so I took a break. Fast forward to December 2013. I finally decided that it was time to start looking for a house again and this time with a different agent. This agent is great, and she was there with me every step of the way. She wanted me to talk to a lender that she always worked with. I sat down and took the time to listen to the loan officer but in the end, I was not happy with what he was offering me. I decided to call Duncan. It was in the evening and he was on his way to dinner when I called him. He remembered me and that same night, he went home and ran my file. We conversed through email until after 1 am. This happened a couple of times. He stayed up answering all my questions. This shows his dedication to his job and most definitely to his clients. I got the keys to my house in January 2014! Yay! I believe in good customer service. Duncan’s customer service is the best of the best. He is knowledgeable and experienced in his field and is very easy to talk to. I would recommend him to all my friends and family.”
“When we came to meet Duncan, I thought we would just come here and listen to the usual spiel, but I was mistaken! Duncan was relentless to help us with all kinds of loan options available. Jumping forward to the present, if you’ve ever gone through a short sale, you would probably know that it’s anything but short, so two months later, through all the stresses, endless calls, complaints, and changing of lenders, Duncan stayed with us till the very end. We finally closed, and we couldn’t have done it without Duncan’s help. If you’re ever in the market to purchase a home, give Duncan a call. You won’t be disappointed! Highly recommend!”
“Several months ago, we chose Duncan Hsia as out loan officer. We did our homework elsewhere beforehand, looking at several other lending institutions and working in depth with a couple of other companies, getting all the documents and going through the process. It just didn’t feel right with any of them. Last minute, I gave in and called Duncan based on a referral from a different realtor. Right away I knew it was the right thing to do. He was available pretty much 24/7 for us—even crazy late/early hours he worked with us to meet the incredibly right deadlines I had gotten us into. He drove to me at my work clear across town, at my apartment after dinner, he got familiar with the property and helped us in ways that probably my realtor should have been doing. He bent over backwards to make meetings and stayed with us even as they ran overtime. We appreciated that he never lied to us about timelines—I really had made them tight with switching at the last minute—and how likely we were to meet or miss certain ones and what the repercussions would be. He also never pressured us to put down more money than we were comfortable with just because we could have or because its what people “typically” would have done. Duncan also discussed with us the pros and cons of points versus rates. He even validated the spreadsheet we made to visualize the tradeoffs between the two at different points in time. I also loved that he was completely transparent about everything—everything written down, documented, copies given, plain English confirmations etc. He didn’t mess things up like everyone else in the process did—every single other player screwed up spelling, wrong names in the wrong places, incorrect dates, missing forms, and so forth. Duncan was on top of it, down to the details. Basically, we were particularly difficult and demanding clients—with little work history (under two years) and not much more credit history in what seemed like a frantic and flaky industry. Duncan managed to seal the deal with us and with our home. He was honestly the best part of what was otherwise a rather painful process. I recommended him to a friend who was looking to buy a condo (we bought a house) and this friend (also with the short work and credit history) just closed. Duncan gets the job done, and spectacularly well. I recommend him and—if he’s still around when we can afford our next place—we will be thrilled to work with him again. We did get a fantastic rate, the lowest we could have, and that’s directly off of Duncan’s suggestion for lock-in date.”
“Gotta give much praise to our loan officer, Duncan Hsia. My wife and I met him at the Homebuyers Fair held at the convention center a few months ago. Out of all the loan officers we met there, he was the most down to earth, knowledgeable, and personable one there. We ended up meeting him a week or two later to get pre-qualified and were surprised at our options and what we could qualify for especially being first-time homebuyers. Long story short, we were shown a house soon after by our realtor where the seller was motivated to sell quickly, and this is where Duncan really began to shine. He helped us get pre-approved that night to be able to put in a strong first offer and the seller accepted!!! I don’t recommend you wait on getting the pre-approval the day you want to submit an offer as it’s a pain to find all your paperwork, but our realtor kind of surprised us with the house and got us during our work lunch hour to check it out. Anyhow, Duncan walked us through the entire process, spending time explaining our options and the paperwork we would sign. We ended up closing in 45 days and this included getting our MCC approved and over the Thanksgiving holiday. We could have closed earlier if the sellers were ready to vacate the place. Our realtor was even surprised at the speed of Duncan’s approvals and closing, and we found it was because Duncan and his team are all in house, including the underwriters, which is not that common apparently. So, if you want great rates, but most importantly, awesome service to make sure your dream home doesn’t fall through the cracks, Duncan and his team are the way to go.”
“Duncan Hsia is a great person to work with and delivers excellent service! He answered all our questions in a timely manner and got us into our first home. Duncan, along with his staff, worked so diligently through the buying process and all the way till closing.”
“He got us into our dream home when no one else could. We tried four other brokers/banks and they all needed us to have 10-20% down. That just wasn’t possible for us and without Duncan, we would have had to wait 1-2 more years to buy a home. Duncan made it happen and he made it look easy. He is very hard working and is very knowledgeable. He was always checking in with us and was very attentive. I will refer him to anyone I know who is buying a home. The whole experience was stress free! Thank you, Duncan!”
“Our family will always remember and be grateful to Mr. Duncan Hsia. He is able to adapt to different variables with grace. I have already recommended Duncan to friends and family.”
“My husband and I closed escrow on 5/5/14. On the mainland, we used to flip houses, so we have gone through the mortgage process many times. We contacted Duncan Hsia to help us with this mortgage. This was the easiest mortgage process we have ever had. I applied online. Duncan called me to set up a meeting. He told me all the paperwork we needed to bring. We got prequalified on the spot. A few weeks later, we found a home. I notified Duncan and he sent over a preapproval letter immediately to present with our offer. Duncan kept us in the loop for the whole process. All the deadline dates were met as promised. I did not have to produce tons more paperwork. Duncan was attentive and available at all times. The closing went smoothly without a hitch. I would without hesitation recommend Duncan Hsia to anyone needing a mortgage.”
“Duncan did a great job for my clients! We were able to close ahead of schedule and that is saying something!”
“Duncan Hsia closed a VA loan that seemed near impossible on many occasions. He was professional and timely every step of the way. In purchases and refi’s over the years, I have worked with six loan officers—some good, one awful, most just fine; Duncan, the best. He will most definitely be who we use for future lending needs.”
“Duncan Hsia offers unbeatable customer service! Easy to work with, always working hard for you and so knowledgeable!”
“Duncan was great! He was willing to work with us over a holiday weekend in order to get our preapproval done quickly. He was very knowledgeable and thorough throughout our entire loan process (a VA loan nonetheless) and made it go very quickly so that we could close on time. He made us feel comfortable and like we didn’t have to always be on top of things because he took care of it for us.”
“Duncan Hsia is a person who I’m really have a hard time finding a superlative that would fit him but let me try anyway. He is awesome, very professional, very knowledgeable, and he will find ways to help you. For me and my family, he was our genie in a bottle, making our dreams come true—getting us our first home! Believe me, I wasn’t even planning to buy and was very pessimistic about it. But lo and behold, I used my VA loan, rolled my funding fee to it, not that great of a FICO score, and only had enough funds to open an escrow back then. The result was a 30 year 4.0 (no points), a total of $500 out of pocket (we received credit discounts!), and we closed in 30 days! Don’t get me wrong, you still have to do your part (i.e. stable job, fair credit, and no-nonsense financial disclosures). The rest, Duncan and his team, will take care of it all. He will put your stress away! So, go ahead, give him a call. If you’re serious enough to make it happen, he can definitely help. For us, he deserves a SIXTH star!”
“Duncan was great! We currently have very complicated finances due to owning two other homes that are now rentals, some huge losses on my last few years of taxes for those rentals, and a significant portion of my income that’s consulting work which is usually harder for banks to count on as income. If you need some very “creative financing,” Duncan is the man to do it for you. He was always available, even on holidays and weekends. For example, I sent him a non-urgent email on Thanksgiving and had to insist that he wait until the next day to respond because it could wait! I was speaking with other loan agents at the same time and Duncan was by far the most creative in finding all sort of work-arounds to get us into the home we wanted, and he was even able to say yes to the price points of homes that were really, really, stretching our budget. I didn’t think some of the things we were asking for were possible, but from him I never heard anything but yes. Overall, Duncan and his team were excellent, and I’m not sure anyone else would have been able to get us into our new home as quickly. The requirements for the paperwork that his team requested was minimal compared to what I’m used to having to provide, and everyone was very pleasant and professional. Don’t hesitate to get a quote from Duncan, especially if your financial situation is tricky. He made the process easy for us. Thank you, Duncan!”
“Duncan helped us with three loans so far, making our dreams come true one at a time. He is realistic and told us exactly what we needed, highly recommended.”
“Duncan is very professional and knowledgeable. He took into account my financial situations and actually came up with the best available options for my home loan. I would highly recommend his service to anyone!”
“Attentiveness and thoroughness during my entire application process. Duncan was always available when I needed to have certain documents clarified. It was challenging to accommodate my travel schedule and time zone changes but he managed to be there. The transaction was able to close in a timely manner and his quick turnaround time made it possible for me to remain competitive during my real estate search in a very and highly desirable market place. I highly recommend Duncan.”
“I can’t imagine a better loan officer to work with than Duncan Hsia. He took the time to thoroughly answer all of my initial questions about buying a house and obtaining a mortgage. Throughout the entire process, he was easy to communicate with and responded quickly. Due to the circumstances with my purchase, it seemed unlikely that we would be able to meet a 45-day closing target, but Duncan pulled it off! Thanks, Duncan.”
“Duncan was excellent, informative, and very easy to work with throughout the entire loan process. He was approachable and had thorough explanations when requested. It would be a pleasure to work with him again.”
“Duncan was extremely responsive throughout the entire process. He went above and beyond the call of duty several times in order to make things work out for us. He worked very hard throughout the whole process and saw things through to the end. We are very impressed with his work ethic and couldn’t be happier that we got to work with him.”
“Duncan did an outstanding job in helping us finance our home. Duncan helped us keep our existing home as a rental and purchase our new residential home. The new purchase had some permitting issues and these were resolved with Duncan’s help. The property also had some easement issues and these issues were also resolved. We were able to close on time as scheduled with only one extension because of the easement issue. Duncan made double sure that the amendments presented by the realtor were correct catching any incorrect wording and dates. Duncan was the even keel as we navigated through our financial process to success. We highly recommend Duncan for financing and we will be sure to use him in the future.”
“Superb guidance and understanding with our quest to purchase our new home. Duncan has been instrumental in every way possible to obtain approvals from entities involved to fully get through final steps and closing. His professionalism and overall knowledge allowed us the guidance and steps to achieve better ratings for approval. Although, many of the responsibilities were upon us to accomplish, Duncan always followed up and provided assistance where needed to see it through. He has always been available and continued to keep us informed of all processes. There was much documentation involved, but Duncan surely made it as painless as possible for us. Anytime of the day or night Duncan would respond to emails, phone calls if we had any issues or concerns. We really pleased with the support and service provided by Duncan and highly recommend others to him. Excellent service provided!”
“Duncan is the best at what he does! He made getting a loan so simple. He was available at all times. Very quick to respond to any questions I had. Most of the paperwork was done by email which made it super convenient. If you need a home loan make sure to contact Duncan, you won’t regret it!!!”
“I had the pleasure working with Duncan in purchasing my first home. Since I’m a first timer, I know very little (or nothing) about mortgages and what home prices I can afford with my salary. Throughout the whole process, Duncan was very patient with me and answered all my questions in a timely manner, if not right away. Taking into considerations my other financial obligations, Duncan got me locked into a good loan with low interest rate and a mortgage that I can afford paying. Overall a great agent! I would highly recommend Duncan to anyone.”
“Duncan is very knowledgeable. He was extremely patient and helpful. His accessibility was beyond what I expected. He is a true professional at what he does.”
“Duncan went above & beyond to ensure that we obtain the loan. It’s not a big loan, but Duncan put in extra effort to work with us (we have quite a complicated financial situation at that time) to make sure that we get all the documents together for the loan approval. Duncan advocated for us, and assisted us along the way, and he is patient and professional. We couldn’t have obtained the loan and purchased our property without Duncan.”
“Duncan was very helpful and responsive to all my questions and he guided me through the process and treated me like family. I would definitely rely on Duncan again for my refinance needs and I highly recommend him to anyone thinking about refinancing or financing. Duncan took the time to answer all my questions in a simple yet detailed way.”
“Duncan rises with Wall Street! Never mind that we sealed a home loan with him from Rhode Island, despite the time difference, any time I had a question about the lending process or any mortgage document, he was available with an erudite response. If the markets are open for business, evidently so is he. Duncan expertly locked us in with loan terms we could afford and ensured the contract recorded on time, as promised. I would highly recommend him to anyone looking for a top-notch local lender in Hawaii!”
“Duncan was recommended by a close friend of mine. I am so thankful for her recommendation! Duncan was extremely helpful, thorough and flexible. He made my first-time home buying experience much easier than I originally expected. He possesses a very detailed understanding of the market and his field. He is always very prompt in his communications and I felt very comfortable entrusting him with sensitive personal information. Trust is an important component where large amounts of money and legalese documents are at play. I plan to recommend Duncan Hsia to my friends and family in the future!”
“I was referred by my agent to Duncan Hsia for my home purchase in the Salt Lake Blvd. neighborhood. Duncan performed commendably and worked 24/7 to provide timely communication to me from my home in San Diego. He advised me to lock my loan at the lowest possible available rate, which has yielded an extremely attractive monthly mortgage for my investment. I would be happy to refer Duncan to anyone shopping for a home loan.”
“Duncan was great! He was willing to work with us over a holiday weekend in order to get our approval done quickly. He was very knowledgeable and thorough throughout our entire loan process (a VA loan nonetheless) and made it go very quickly so that we could close on time. He made us feel comfortable and like we didn’t have to always be on top of things because he took care of it for us.”
“If you want a hard-working person, working around the clock, day and night and weekends too, Duncan Hsia is the one for you! Truly great experience, zero inconvenience, most of my part was done from home. Highly recommend.”
“Duncan was phenomenal at “going the extra mile” for my wife and I when we were buying our first home. He was available when we needed him, he was persistent to get documents to us, from us, and completed on time, and he enabled us to get our loan when no one else could. I highly recommend Duncan.”
“Duncan is very dedicated to his job! He is very kind and prompt and mostly, he has so much knowledge in the area so that he has answers to every question we had. He has always been cool and collected throughout our very complicated loan process and never lost his kindness and patience to us. We recommend him highly!”
“Duncan is the reason we are now living in our lovely Kailua home! The service he provided was top-notch, responding immediately to any concerns/questions and professionally handling a couple serious obstacles. After looking at homes on the internet for over a year, we found the perfect home and placed an offer on the first home we physically viewed. This was Memorial Day weekend and we had not even begun the pre-approval process that we needed to make a strong offer. The mainland broker I was working with for a rental property refi would not return any of my calls, along with a couple other brokers we called. Duncan was recommended to us and he quickly returned our call on a Saturday night. Within an hour he had sent us detailed instructions and by midday Sunday we had a pre-approval letter in hand. Our offer would not have been accepted without Duncan’s help! We later switched from a conventional to VA financing, with great reluctance from the seller, delaying the underwriting process. Duncan expertly guided us through the complicated VA process ensuring that our sale closed ahead of schedule, saving us from losing our lock and paying an extra 1%. His service before, during, and after the close was outstanding! We greatly appreciated his honesty. He was very upfront with us throughout the whole process, not just telling us what we wanted to hear like so many in the real estate industry. Highly recommend!”
“Mr. Hsia is the most respectful knowledgeable person I have dealt with. He was always there to support me and guide me when I needed it and answered all my questions. He made sure to be available anytime I called, and he always looked after my best interest. You can’t be in better hands.”
“Duncan was such a great person. He helped us to get a new home. I know if he was not there, we would not get this place which I really love so much. He was such a hard-worker and very knowledgeable with all different loan types. Of course, he is very helpful and very quick to respond with anything that changed. Now we are living in the new home and it’s all because of his hard work. Thanks, Duncan!”
“Duncan was outstanding in all aspects of the home buying process. This was my first purchase and he made the whole process extremely simple. Even after the purchase, he was quick to answer and assist in any questions I had after.”
“He is very knowledgeable and helped us getting the mortgage approved quickly. I will recommend him again for any real estate deal in Hawaii. He informed us about the interest rate changes daily. He helped us lock the rate and got mortgage amount changes very quickly as the price after negotiation changed. He closed very quickly with our representative being on Hawaii. The most important thing is the guidance and timely communication with us as we were in East Coast and the six-hour time difference.”
“My situation was very difficult to get the loan. I went to other lenders, but they couldn’t help me to get a loan. When I came to meet Duncan, he helped me through my situation and I was able to get the new home. He is a very responsible loan officer and always answered all of my questions.”
“Duncan is a miracle worker. He got us into our dream home when no one else could. We tried four other brokers/banks and they all needed us to have 10-20% down. That just wasn’t possible for us, and without Duncan we would have had to wait 1-2 more years to buy a home. Duncan made it happen and he made it look easy. He is very hard working and is very knowledgeable. He was always checking in with us and was very attentive. I will refer him to anyone I know who is buying a home. The whole experience was stress free! Thank you, Duncan!”
“A simple thank you is not enough to express our sincere appreciation for helping us on our loan. We felt so comfortable and assured working with Cardinal Financial Company from the beginning. We look forward to making our first payment in June by check and auto payment as directed. Mahalo nui loa.”