Infinite Financial, LLC

02/05/2026

Just posted my 2026 mortgage rate and housing market forecast.

If you’re thinking about buying, selling, or refinancing this year, this should help frame what’s coming next.

Mortgage rates, inflation, and home prices are changing—but where are they really headed in 2026?In this video, I break down my 2026 mortgage rate and real e...

12/31/2025

Last recording of 2025! 🎉

I took over this condo purchase loan less than 2 weeks ago when the first lender couldn’t close on time even with the unilateral extension. I told the agent we should be able to close with the extension, and may not even need it if all goes well.

Here’s how it played out:

We submitted the application, got the initial disclosures sent out and signed, and got the conditional approval all in one day.

Fortunately, we had the condo docs and the condo was already approved by Fannie Mae. We also got an appraisal waiver. Because we had submitted with most of what was required upfront, the underwriting conditions were clean.

We submitted the conditions and got final approval the next day, so we were cleared to close 2 business days after getting the loan!

The only reason we waited was due to TRID timing rules, the Christmas holiday, and everyone wanting a 12/31 recording. Still, having everything wrapped up so early made the finish line smooth.

Today, we officially recorded two days early, after taking over a file that was already more than 30 days into escrow. The buyer and sellers will have a super happy new year!

If anyone needs to close a loan quickly, let me know!

Happy New Year!

12/08/2024

I was interviewed recently about mortgage rates, the economy, and financial advising by Bette Bader for a half-hour show that will air this coming Sunday, December 8, at 9:30 am on these FM stations:

Oahu: 101.5, 97.1, 101.1, 107.5, 96.7
Maui: 104.7, 97.3, 106.5, 102.1
Kauai: 98.1, 99.9, 98.9, 101.3, 107.9

You can access these stations online here: https://www.hawaiistream.fm/ . Here’s a recording of the show:

https://drive.google.com/file/d/1XCWdzkeccV_l_tuNiqlPq9U_oqpT94xc/view?usp=sharing

Please let me know if you have any questions or feedback after listening to the show. Thanks and enjoy the rest of the weekend!

10/11/2024

This is why I do what I do.

This borrower came to me a little over a month ago with a dream of buying their first home. Their credit report needed some work, so I advised what to do to get their score up to increase their buying power and save thousands of dollars.

Today, they’re in escrow to buy an awesome place, with a qualifying credit score 112 points higher, in the top tier to save thousands in interest and mortgage insurance, as well as any other credit needs for the next 7 years+.

A great mortgage broker doesn’t just secure financing — we help clients improve their overall financial health, opening doors to better opportunities.

Helping customers like this makes all the hard work worth it. 💪

07/20/2024

Hi everyone, Duncan Hsia here, mortgage broker and financial advisor, with another update on the housing market.

In this video, I delve into the latest CPI and PPI reports and their implications for inflation and the economy. With unemployment rising and key recession indicators on the verge of triggering, mortgage interest rates are on a downward trend and are expected to continue falling over the next couple of years.

The high interest rate environment has slowed new home construction, leading to fewer new home permits and a low inventory of existing homes. This situation creates a prolonged shortage of homes to meet ongoing demand. Demographics play a crucial role, with strong demand driven by millennials reaching homebuying age and baby boomers holding onto their homes longer.

Despite the tripling of mortgage rates in recent years, home prices have remained resilient. As rates decline, many buyers who have been waiting on the sidelines will enter the market, absorbing additional supply from forced sales or sellers waiting for lower rates. Today’s homeowners have triple the equity compared to 2008, which helps prevent a wave of foreclosures and short sales, even in the event of job losses.

Looking ahead, I expect housing prices to remain strong and mortgage rates to continue their downward trajectory. If you find a house you love and can afford, it makes sense to buy now and refinance later to avoid potential bidding wars.

Do you agree or disagree with my analysis? Drop a comment and let me know your thoughts!

03/26/2024

🌺 Aloha, Tech Enthusiasts of Honolulu! 🌺

👋 Get ready for a deep dive into the world of artificial intelligence at our upcoming ChatGPT Honolulu Meetup!

🗓️ Date: March 30, 2024⏰ Time: 11 AM📍 Location: The Hub coworking space

Here’s What We’ve Got Planned:

• Claude 3 Showcase: Discover the latest breakthroughs with Anthropic’s Claude 3, setting new highs in AI performance.
• Exploring Google’s Gemini: Dive into the capabilities of Gemini and how it’s enhancing Google’s ecosystem with state-of-the-art AI.
• AI Trends for 2024: Stay ahead with a sneak peek into the AI trends that are shaping the future of technology and business.

Whether you’re an AI guru or just AI-curious, this meetup is the perfect place to share knowledge, learn about groundbreaking innovations, and connect with like-minded tech enthusiasts.

Why You Should Join:

• 🎙️ Engaging discussions on the latest AI developments
• 🤝 Opportunity to network with Honolulu’s vibrant tech community
• 🌟 Insightful look into the transformative power of AI in our lives

🎉 Don’t miss out on this exciting opportunity to explore the possibilities of AI and how it’s shaping our future.

👉 RSVP now and let’s come together to witness the future of AI unfold in Honolulu. Looking forward to seeing you there!

03/23/2024

I’m honored to be recognized by another lender as a top producer🏆, since we work with so many lenders to match the best loan product to each borrower.

At , we personalize the mortgage process for each client, working with a large network of lenders to find the perfect match. Here’s to continued partnerships and shared success!

02/29/2024

🎉 Big congratulations to an incredible couple on acquiring their dream home on Maui! 🌴✨

We wrapped up this purchase with a VA loan 16 days ahead of schedule, all thanks to an amazing collaboration between a dream team: dedicated buyers, proactive agents, and a cooperative seller. 🏡🔑

A special shout-out to Walt Lieberman for ensuring everything went off without a hitch as their agent. Your expertise and guidance were invaluable! 👏

At Infinite Financial, we’re passionate about turning homeownership dreams into reality, especially for our veterans. 🇺🇸💙 It’s more than just a transaction for us; it’s about creating lasting memories and helping every step of the way.

02/24/2024

🎊 Big News! 🎊

I’ve just passed the Series 65 test and am thrilled to officially act as a fiduciary financial advisor, always looking out for clients’ best interests. Despite one of my busiest work weeks ever, I’ve crossed this milestone and am now fully equipped to guide Qualified Clients towards financial success.

If you’re ready to elevate your financial strategy with amazing returns on minimized risk, I’m here to help. Let’s connect and start planning a prosperous future together.

01/11/2024

Today I’m so happy and honored to congratulate Wes and Rochelle on finishing their journey to homeownership! 🗝️❤️ It’s been an absolute pleasure to witness their excitement and anticipation grow as they moved closer to this life-changing moment – receiving the keys to their very first home.

To Wes and Rochelle: May your new house be a foundation for many happy memories and a space filled with love and laughter. We’re beyond thrilled for both of you and wish you all the happiness in your new adventure. 🥂🏠

A huge thank you to our amazing team and everyone involved in this process. Your dedication, teamwork, and passion are what make dreams come true. It’s always so rewarding to work as a team with such incredible buyers, agents, and sellers who value and appreciate the effort we put into every step.

Let’s keep turning housing dreams into realities. Here’s to many more successful journeys and happy homeowners! 🌟🌈