Tera L.H. Paleka

About Us

Tera L.H. Paleka CMPS, NMLS# 357949
Maui Office: (808) 870-3653
Tera L.H. Paleka, CMPS
P.O. Box 342
Wailuku, HI 96793
Direct : (808) 870-3653


Download our Company Brochure Here 


Hello and thank you for visiting! It is our goal as your full service mortgage company specializing in all of the Hawaiian Islands, to provide you with superior service at all times. Our local expertise and extensive real estate experience will benefit you whether you are serious about buying or selling a home, or are a returning client checking out the many homeowner resources we offer.

Tera  Paleka, CMPS 
Certified Mortgage Planning Specialist  
President & Broker In Charge
Author of "Wally's Way"- An Action Plan for Real Estate Success
The Hawaii Association of Mortgage Brokers-Maui Representative
Neighborhood Place of Wailuku-Incoming President 
Kamehameha Schools Class of 2010- Parent Teacher Student Ohana Representative
Experience: 13 years in the real estate & mortgage industry
Life Story Thus Far: Tera was born and raised right here on Maui. Tera graduated from Baldwin High School and attended college here on Maui as well as Orlando Florida. She started her career in the real-estate industry back in 1994 by becoming the office manager of the largest property management and real estate brokerages on the West Side. After moving to Orlando in February 1998 she worked for an influential attorney whom also had the biggest title company in Orlando at that time. Tera was proud to be part of the 4 girl team that closed 95% of Walt Disney’s prestigious Celebration Subdivisions. Returning to Maui in February of 2000, she worked for City Bank as Personal Assistant to the Mortgage Production Manager as well as being the processor to the "U.S. Regional Sales Top Producer", (for mortgages) here in Hawaii.
After spending time asked to train some of the industry leaders here in Hawaii, Tera realized that she was capable and worth “taking the next step”. Tera decided to start her own contract processing company & mortgage brokerage firm.

Maui Pacific Financial Services  was born in January 2003. The name changed in December 2004 to Hawaii Financial Services to encourage all of the islands to experience the honest and family orientated mortgage team.  Tera was the 1st Certified Mortgage Planning Specialist in the Hawaiian Islands. Tera is currently ranked 4th in the State Of Hawaii as the top Mortgage Industry Professionals, by Pacific Business News!  

Yes, she has met a lot of "Movie Stars", Fortune 500 Entrepreneurs, Successful Business People & International "Move'ers& Shakers".  And yes, sometimes you can get "Star Struck", but Tera is one of the acceptations to the rule.  You might work at the gas station down the road or you may be Ron Howard or Mick Fleetwood. Tera doesn't get caught up in the ego excitement, but she does get caught up in the fact that, "Everyone should be treated like a Star". Everyone that comes into Hawaii Financial Services is treated as one and the same.  Every-ones future counts & every penny matters!..

Does She Care?:  Tera takes great pride in being involved with community issues such as past and present volunteering with: The County Of Maui, Na Pu'u Wai, Go Green Hawaii, Maui Land & Coastal Trust, Kula Kaiapuni, Punana Leo O Maui, American Red Cross, the Maui Police Department, the Maui County Firefighters Association, the Maui County Fair, Maui Interscholastic League, the Maui Pop Warner Association, The Neighborhood Place of Wailuku and Kamehameha Schools Maui Campus.

Commitment: Tera shows her diverse back ground by understanding the Kama'aina & Malahine cultures a-like while making sure no concern is treated as a small one. Tera shows complete competency in all that she does and conveys. Tera goes the extra mile to make sure all borrowers needs and requests are met, such as that much needed affordable monthly payment, timely closings, detail to income concerns and true aspiration for a long lasting relationship creating a feeling of ‘ohana for all involved in the mortgage process. (wow, she sounds like a great person!) 
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Tera kidding around at the New York Stock ExchangeAlways staying one step ahead and on the pulse of our industry! Are you talking to an expert? You better ask somebody!






  Meet The Dream Team
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Noe Garcia Robles
Mortgage Planner
Direct (808) 276-4237
Speaks Fluently: Spanish


Jennifer Gaura R(S)
Mortgage Planner- Oahu Office
Direct (808) 265-1576
Terina Abarra
Mortgage Planner
Direct (808) 244-5626



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Diana Wallace
Mortgage Planner - Kaanapalii/West Side
My Flower Shop-Owner 

Direct (808) 280-3162



Tamika Recopuerto
Mortgage Planner

Direct (808) 244-5626


Joe Soong
Mortgage Planner- Hilo Bay Office

Direct (808) 244-5626



Moka Lewis-Ijuin
Mortgage Planner - Wailea/ South Side
Speaks Fluently: Japanese

Direct (808) 250-6190



Raynette Mar R(S)
Mortgage Planner- Hilo Bay Office

Direct (808) 276-1936




  Tracy Kalama R(B)
Mortgage Planner- Upcountry Office
 Millennium Realty-Owner

Direct (808) 280-1255




Alani Artates R(S)
Mortgage Planner
Kuleana Homeownership-Owner

Direct (808) 357-1136



Jason Fernandez
Mortgage Planner 
Hawaii Homes By Lender/Manager 
Direct (808) 244-5626




Returning Client? We appreciate the opportunity to continue to serve you and hope you take advantage of the valuable resources we provide. Come back to visit often! 

We pride ourselves on providing unparalleled service and look forward to developing a long-term relationship with you. Please feel free to contact us if you would like to discuss how we can best assist you with your real estate needs.