Harbor Financial Group
A dba of Next, LLC NMLS #243865

Proud Members of the
National and Hawaii Association
of Mortgage Brokers


Topa Financial Center
700 Bishop Street, Suite 210
Honolulu, HI 96813
Ph: (808) 748-8892
Fax: (808) 536-7170


Normal Business Hours
Monday-Friday: 9:00 a.m. to
4:00 p.m. (except holidays)

We recommend making an appointment with one of our Mortgage Loan Originators

leftnav photo




Real Estate News
Yes, the current market is brutal, but ‘boomsday’ is on the way
Sun, 09 Nov 2025 21:38:39
Boomsday isn’t a fantasy, Oliver Graf writes. It’s what happens when years of pent-up demand hit a turning point. And that point is coming soon. read more»

5 magic phrases that help real estate agents close more deals
Sun, 09 Nov 2025 9:00:34
These five simple phrases from Jimmy Burgess have helped countless agents win more listings, close more buyers and lead to more cooperative transactions with other agents. read more»

How to audit your brand like a marketing pro
Sat, 08 Nov 2025 21:36:07
Alyssa Stalker offers a simple step-by-step process to help agents evaluate their brand, find what’s out of sync and realign their message with who they are now. read more»

What Starbucks, TikTok and Taco Bell can teach us about marketing
Sat, 08 Nov 2025 18:11:20
From Grammarly’s rebrand to TikTok’s red carpet and Starbucks’ merch meltdown, everyone’s fighting for attention. Tech keeps getting smarter and marketing flashier, but the real win still comes from intention. read more»

Why Fannie and Freddie still won’t accept more inclusive credit score
Fri, 07 Nov 2025 20:41:02
FHFA Director Bill Pulte ordered the mortgage giants to start using more inclusive VantageScore 4.0 in July. But adoption is a "complex, technical and arcane" process that could drag into next year. read more»

Don’t just survive. Diversify: Now Streaming
Fri, 07 Nov 2025 18:24:29
Learn practical ways to diversify your real estate agent income through rentals, referrals, education, content and strategic partnerships. read more»

Real partners with MAXA Designs on agent marketing platform
Fri, 07 Nov 2025 16:49:56
The co-branded marketing platform directly integrates with MLS property data and automatically delivers print and digital listing campaigns to agents via the firm's AI-powered concierge, Leo CoPilot. read more»

Recession? Membership? Blessings? Inman Top 5
Fri, 07 Nov 2025 16:18:31
Looking for a quick catch-up on the buzziest stories of the week? Here’s Inman Top 5, the most essential stories, according to Inman readers. read more»

New LGBTQ+ Alliance president talks about ‘opportunity in the chaos’
Fri, 07 Nov 2025 10:00:17
LGBTQ+ Real Estate Alliance President Tommie Wehrle shares her advocacy history, plans for the organization and the key to navigating political divides. read more»

Sign, show and sell: The open house playbook that actually works
Fri, 07 Nov 2025 9:00:11
In-person events build trust faster than any online ad, coach Darryl Davis writes. When your systems, signage and service are dialed in, that trust becomes traction. read more»

New Opendoor CEO’s plan: ‘Buy more good homes and get more good sellers through our funnel’
Fri, 07 Nov 2025 1:20:24
Incoming CEO Kaz Nejatian said Opendoor acquired 230 homes in the last week of October, about twice the pace of acquisitions when he took over on Sept. 15. read more»

EXp digs at Compass during Q3 earnings as agent retention soars
Fri, 07 Nov 2025 0:50:32
EXp's recruitment and retention strategy took center stage during the brokerage's Q3 earnings, with a solid boost in agent productivity and team growth showing eXp's strength in a rapidly changing competitive landscape. read more»

Realtor.com is gaining on competing portals despite decline in users, owners say
Fri, 07 Nov 2025 0:14:17
Average monthly unique users to Realtor.com sites fell 6.5 percent compared to the prior year as lead volume also slid 1 percent. Company said it had to 72 million average unique monthly users in the most recent quarter. read more»

AI helps UWM seize the day, make the most loans in 4 years in Q3
Thu, 06 Nov 2025 23:39:13
Mia, a generative AI loan officer assistant that UWM rolled out in May, has made more than 400,000 calls — often to alert past clients of opportunities to refinance their mortgage at lower rates. read more»

How deepfakes, AI slop, fake digital staging are deceiving the market
Thu, 06 Nov 2025 21:05:02
Become a digitally literate consumer when you engage in protecting yourself and others from misinformation and lies, security expert Robert Siciliano writes. read more»

Learn everything, be curious and show up to succeed in real estate
Thu, 06 Nov 2025 19:22:38
Find out how luxury broker Alison Melton traded skyscrapers for Spanish moss — and discovered that Southern charm might just be the new definition of luxury real estate. read more»

Zillow says CoStar uses litigation ‘playbook’ to ‘attack’ competitors
Thu, 06 Nov 2025 18:55:56
In a motion to transfer the portal's copyright infringement lawsuit with CoStar Group from New York to Washington, Zillow criticized CoStar's legal tactics, and in particular, its many press releases issued regarding ongoing cases. read more»

Why ‘leadership’ shouldn’t be a dirty word in real estate
Thu, 06 Nov 2025 16:26:55
Leadership is not something you do once you get the title, Lori Muller writes. It’s something you do every single day in every environment you’re in. read more»

Equal Housing Lender. © 2018 Harbor Financial Group. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. Provided to mortgage professionals for information only and not intended or authorized for consumer or public distribution.
© 2018 Agent Image All rights reserved. | Terms | Sitemap Design by Agent Image - Real Estate Web Site Design