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Welcome to Infinite Financial – Your Trusted Mortgage

and Life Insurance Partner


Welcome to Infinite Financial, your trusted guide in the world of mortgages and life insurance. Our dedicated team prides itself on exceptional service, drawing on extensive expertise to tailor solutions to your unique needs. We turn complexity into simplicity, guiding first-time homebuyers, seasoned investors, and individuals seeking long-term wealth security.

Infinite Financial is not just a service provider - we aim to be your lifelong partner. We understand your goals, devise strategies to match, and stay by your side, providing support and open communication every step of the way.

With a firm commitment to learning and industry trends, we empower you with innovative solutions and the knowledge to make informed decisions. Explore our website, discover how we can light your path to financial security, and take the first step towards a bright financial future. Welcome to Infinite Financial, where the possibilities are endless.

Our Services

Mortgage Products

Explore our mortgage products for a tailored financing solution that meets your needs. From first-time homebuyers to real estate investors, we offer a wide range of options to help you achieve your homeownership or investment goals.

Life Insurance Products

Protect your loved ones and secure their future with our life insurance products. Choose from a variety of coverage options, including term life, whole life, and universal life policies. Our flexible plans offer peace of mind and financial security.

Talk to a Professional

Connect with our professional loan officers for expert guidance throughout the mortgage process. Get personalized assistance and make informed decisions on your path to homeownership. Start your journey with us today!

WHY INFINITE FINANCIAL?

✔Best products to suit customer’s needs

✔Think outside the box

✔Fast closings (lender dependent) – As little as 2 weeks

✔Appraisal waivers

✔Best rates/terms or match other lenders

✔No overlays Can close loans in buildings others can’t

✔Broker locally and nationally

✔Extra level of service can help close deal

✔Help customers with credit to qualify or get a better rate

Blogs

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Getting the Lowest Mortgage Interest Rate

July 10, 20233 min read

Part of a good mortgage broker’s job is getting a customer the lowest interest rate they can get.  The other day, we went to the housewarming/baby shower for a customer, and he told me he was thankful he was able to get a rate in the 3’s, now that rates have moved much higher.  I knew that he just closed within the past year, so I had to double check when I got home.

As you can see from this Facebook Post , I confirmed that he did get a rate in the 3’s by waiting 34 days to lock, and then locking on the exact day with the lowest mortgage rates in the past year, with a rate well below what other lenders could do at the time!

It definitely can make a huge difference who a customer uses for their mortgage.  Not only do we close a lot of loans other lenders can’t do, but we also get the best terms for our customers.  It’s important that loan officers have a good understanding of the markets, so they can effectively advise their customers.

Inflation in 3’s as Predicted

This morning, the PCE inflation report showed inflation in the 3’s for the first time in 2 years:

hawaii, infinite financial, financial, mortgage, loans, va loans, inflation rate

Per my latest video analyzing inflation and money supply with the help of ChatGPT’s Code Interpreter, I expect the June CPI report, out on July 12, to show inflation in the lower 3’s (with a chance of being in the upper 2’s, where the annualized inflation rate has been the last 11 months), not too far from the Fed’s 2% target.  After that, the Fed will have much less reason to raise the overnight lending rate again, even though they’ve been telling everyone they plan to hike 2 more times, managing consumer inflation expectations.

In the video I posted right after the December CPI report showed CPI at 6.5%, after some analysis of the half-year CPI % changes, I said, “We may even see inflation in the 3’s by midyear, blowing away everyone’s expectations.”  Consider a lot of minds to be blown…

Duncan Hsia, infinite financial, mortgage company, mortgage, loans, financial


Look for the June CPI report to confirm inflation in the 3’s, and much less fearmongering about high inflation among talking heads.

Higher AMI for Special Mortgage Programs

We just closed a loan taking advantage of the new, higher AMI level to get the added points for credit score and lower down payment waived, saving them thousands of dollars, and allowing us to close on a purchase at a 60% higher price than their previous lender pre-approved them for.  Make sure the loan officers you work with understand how to take advantage of the special programs for limited income buyers to save a lot of money and qualify for more.

Hawaii, infinite financial, mortgage company, mortgage, financial, income

The new AMI level for Honolulu county is $121,400, with $97,120 the limit for HomeReady and Home Possible mortgages.  These much higher limits mean a lot more buyers can qualify to save a lot of money and have a lot more buying power with the various special programs available – if their loan officer knows how to take advantage of them.

June Feature Article in Real Producers

This month’s issue of Real Producers magazine has a feature article on Infinite Financial and me, which you can see in flipbook format here, along with our new ad:  Real_Producers_Article_with_ad .  We’re honored to have been the first lender in Hawaii signed up by Real Producers, and to get our second feature article.  Thanks to Bryn Kaufman, Mark Young, and Caron B Davis for providing nice review comments.  You should see the magazine in your real estate office.

Duncan Hsia, Infinite Financial, Mortgage company, loans, hawaii

Professional Collaboration Conference – Super Saturday, July 15

For those interested in collaborating with some awesome professionals to offer additional services to your clients and create an extra stream of revenue, see the below flier and scan the QR code to register for the conference on Saturday, July 15 at 11am at the Ala Moana Hotel Plumeria Room.  I hope to see you there!

Hawaii, Collaboration, networking, financial


Mortgage InterestHawaiiInfinite FinancialLoansInflation Mortgage Interest Rate
Duncan Hsia combines his financial background (graduated from the Wharton Business School and Punahou School) and extensive customer service experience to deliver an unmatched experience to mortgage customers.

Duncan prides himself on providing clients and agents with excellent communication, making sure they’re comfortable with every step in the process, and working with them to get the best terms for their needs. Whether helping them buy their dream home or helping them lower their monthly housing costs through refinancing, Duncan relishes the sight of happy clients improving their financial situation.

Duncan Hsia

Duncan Hsia combines his financial background (graduated from the Wharton Business School and Punahou School) and extensive customer service experience to deliver an unmatched experience to mortgage customers. Duncan prides himself on providing clients and agents with excellent communication, making sure they’re comfortable with every step in the process, and working with them to get the best terms for their needs. Whether helping them buy their dream home or helping them lower their monthly housing costs through refinancing, Duncan relishes the sight of happy clients improving their financial situation.

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FREE Guide to Home Financing in Hawaii

Through this eBook, we aim to bring clarity to the complex world of home financing in Hawaii. We debunk common myths, illuminate the various financing options available, and outline how we at Infnite Financial can assist you on this journey.

The Right Tools To Help You Every Step Of The Way

An easy way to know your next step

Break down the terms and acronyms that will be used

Learn what loan options are available

Break down the terms and acronyms that will be used

Learn about current topics and trends

Ask questions and learn more to get started

What is the Best Loan for you?

Testimonials

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Honolulu, HI 96814

(808) 489-1067

1050 Queen St, Honolulu, HI 96814, USA

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