History
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. After finding much success Tera expanded her Maui office operation in late 2004 to open offices in Hilo, Princeville & Honolulu. In 2006 Tera flew to New York and spent a week visiting the New York Stock Exchange and became the 1st Certified Mortgage Planning Specialist in the Hawaiian Islands. In 2006 she also co-authored the book