I am thoroughly pleased with Daniel Quach, Daryn Ogino and the entire staff of Smart Money Hawaii who got me out of a dire predicament that I was placed into with my former mortgage company, DITECH. I initiated a request to have them modify my mortgage to a fixed rate prior to the maturation date of my ARM in March of 2016. I also requested any and all benefits of the HARP program, which I learned from the media, was soon to end. I submitted all required documents required to start the process and got locked into a process nightmare. Ditech told me to wait for the processing to be finalized and then I should resume my payments with the new payment amount. To make a long story short, this process took almost 3 years of excuses and stalling by DITECH. Some of the reasons they gave me for the processing delay were: "Your account manage quit and we will assign you another one", "Your papers were sent to the Underwriter" "The Underwriter quit, We will restart the process" etc. I checked with BBB and found out that DITECH had a negative rating. I contacted Smart Money with my dilemma and they removed me out of this mess in a very short time. I will be forever grateful to Smart Money for securing my mortgage out of the hands of D ITECH and relieving me of the stress that I endured from 3/16 to 3/19. I felt that my initial request to modify my mortgage to a fixed rate from an ARM, take advantage of the lower mortgage rates and take advantage of any and all benefits of the HARP program, was a simple matter. I am now with a reputable mortgage lender and out of the clutches of my former inept company. My thanks again to Smart Money Hawaii for their superb work on my concerns and would recommend them to anyone with similar concerns. Mahalo Nui Loa!