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Infinite Financial

Lender
5.0 stars
86 Reviews

Markets served


Arizona
California
Colorado
Florida
Hawaii
Idaho
New Mexico
Oregon
Tennessee
Texas
Washington
Wyoming

Licenses


Company NMLS
#1866302
Additional info available at the NMLS consumer access website

Additional Licenses & Information

NMLS #1212298

About us


You've found the lender with low rates, low fees, creative financing options, experience, open communication and a desire to help you meet all of your financial goals.
Cydney Gray prides herself on exceptional service, drawing on her extensive expertise to tailor solutions to your unique needs. She turns complexity into simplicity, guiding first-time homebuyers, seasoned investors, and individuals seeking long-term wealth security.
Cydney will empower you with innovative solutions and the knowledge to make informed decisions. Discover how Cydney can light your path to financial security, and can help you take steps towards a bright financial future. She is your lending partner for all of your goals, with the low interest rates, low fees  and creative financing options.
Welcome to Infinite Financial, your trusted guide to all things mortgage. 

Specialties


Conventional & Gov.

Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Home Equity (primary home)
Refinance (primary home)
USDA Loan

Reviews (86)


5.0 stars
86 Reviews
5.0 stars
86 Reviews
0.0 star
0 Reviews

reviewer image
5.0 stars
|
3 months ago
Reviewed by Jesse Ruder
Just closed on a condo and worked with Duncan and Darcy for the mortgage. The whole process went very smoothly. Duncan was super responsive and patient with my many questions, always with a clear answer that actually made sense. Darcy was great to work with too. Would definitely recommend and would work with them again!
reviewer image
5.0 stars
|
3 months ago
Reviewed by Kevin Yuen
I worked with Duncan at Infinite Financial on a complex investment property refinance in Hawaii. The building has many complications and nuances such that most traditional lenders will not want to finance it. So it was crucial to work with the right person who had all the necessary expertise, local knowledge, and persistence to find a solution. Duncan found the right lender for my situation, and did an excellent job coordinating across multiple parties (lender, escrow, borrower). Throughout the process, Duncan was consistently available, responsive, and transparent. He kept me informed at every step and made sure I wasn't charged for anything I shouldn't have been paying for, and kept the deal moving on time-sensitive deadlines. Whether you're dealing a straightforward or a complicated financing situation, I'd strongly recommend Duncan and his team.
reviewer image
5.0 stars
|
4 months ago
Reviewed by abhisek saikia
Duncan and his team at Infinite Financial were excellent to work with throughout our home purchase. Communication was clear and timely at every step, and they were always available to answer questions and explain the loan process in detail. We were able to close smoothly and on time, and Duncan helped navigate everything efficiently, making what could have been a stressful process much easier. I especially appreciated their responsiveness and transparency, it made a big difference. I would definitely recommend Duncan to anyone looking for a reliable and professional lender.
reviewer image
5.0 stars
|
9 months ago
Reviewed by Noa P. Yee
Working with Infinite Financial truly changed our lives. Buying a home felt overwhelming at times, but they found a fast and incredibly creative financial solution that made our dream possible. We will always be grateful for their expertise and support. Duncan, the owner, went above and beyond for us. His care, honesty, and constant communication gave us so much peace of mind throughout the process. We never felt like just another client — he genuinely cared about our outcome. If you’re looking for someone you can trust with one of the biggest decisions of your life, we cannot recommend Infinite Financial enough.
reviewer image
5.0 stars
|
9 months ago
Reviewed by Cathy
Duncan is so professional, patient, flexible, and very knowledgeable! He was able to get us a lender that was able to finance our home purchase. He succeeded and now we are home owners! 🏠🥰🤩🎉 Recordation was just yesterday but how he worked with us made us feel like we’ve known him for a long time. He is the best loan officer! Bonus points for the unnecessary fees you made sure to be removed from our closing expenses 😅 Thank you very much Duncan for helping us and our amazing realtor achieve my family’s dream to have our own house! 😍😍😍 We appreciate you very much and your team (thank you also Joan!) for the help! 🙏
reviewer image
5.0 stars
|
10 months ago
Reviewed by George Krischke
Duncan is a true professional who knows his craft. He communicated clearly and asked the right questions to zero in on the most practical finance solutions. He introduced me to a few investor loan options for two different 1031 exchange properties. He efficiently closed the first one on time. The second one is scheduled to close soon also on time. I have taken out over sixty mortgage loans during my investment career. Working with Duncan was a pleasure and a breeze to secure these two new loans. I'll be back for my next purchase soon. ~Mahalo & Aloha
reviewer image
5.0 stars
|
10 months ago
Reviewed by chen guo
5-Star Review for Duncan Hsia I had an outstanding experience working with Duncan Hsia on my loan. We ran into several major challenges during the process—our appraisal used a very low monthly income estimate for the DSCR loan, and the lender was unable to release funds on time. These were issues that could easily have delayed or even jeopardized the entire deal. But Duncan stepped up every single time. He communicated clearly, kept me updated, and—even more impressively—worked through weekends to help resolve the problems. He coordinated with the lender, pushed for corrections, and made sure every issue was addressed quickly and professionally. Without his persistence, we absolutely wouldn’t have closed on time. Duncan explained all the requirements in a way that was easy to follow and always made himself available whenever I had questions. His friendly and highly professional attitude really helped reduce the stress of the whole process. I would definitely work with Duncan again, and I’d confidently recommend him to any friend looking for a reliable and truly committed loan agent.
reviewer image
5.0 stars
|
3 years ago
Reviewed by Thomas Patrick
What more can be said about the Infinite Financial team that hasn't been mentioned below? We met with several loan officers and were blown away by Duncan's knowledge and attention to detail. He offers a broad spectrum of products beyond your traditional 30-year fixed loan. Duncan helped us find a unique mortgage that was perfect for our situation and we couldn't be happier! He made himself available for multiple phone calls and in-person meetings to make sure all of our questions were answered in detail. He also posts ton of great content on IG featuring innovations and updates within the industry. Thank you again, Duncan. You're the best!
reviewer image
5.0 stars
|
3 months ago
Reviewed by Jesse Ruder
Just closed on a condo and worked with Duncan and Darcy for the mortgage. The whole process went very smoothly. Duncan was super responsive and patient with my many questions, always with a clear answer that actually made sense. Darcy was great to work with too. Would definitely recommend and would work with them again!
reviewer image
5.0 stars
|
3 months ago
Reviewed by Kevin Yuen
I worked with Duncan at Infinite Financial on a complex investment property refinance in Hawaii. The building has many complications and nuances such that most traditional lenders will not want to finance it. So it was crucial to work with the right person who had all the necessary expertise, local knowledge, and persistence to find a solution. Duncan found the right lender for my situation, and did an excellent job coordinating across multiple parties (lender, escrow, borrower). Throughout the process, Duncan was consistently available, responsive, and transparent. He kept me informed at every step and made sure I wasn't charged for anything I shouldn't have been paying for, and kept the deal moving on time-sensitive deadlines. Whether you're dealing a straightforward or a complicated financing situation, I'd strongly recommend Duncan and his team.
reviewer image
5.0 stars
|
4 months ago
Reviewed by abhisek saikia
Duncan and his team at Infinite Financial were excellent to work with throughout our home purchase. Communication was clear and timely at every step, and they were always available to answer questions and explain the loan process in detail. We were able to close smoothly and on time, and Duncan helped navigate everything efficiently, making what could have been a stressful process much easier. I especially appreciated their responsiveness and transparency, it made a big difference. I would definitely recommend Duncan to anyone looking for a reliable and professional lender.
reviewer image
5.0 stars
|
9 months ago
Reviewed by Noa P. Yee
Working with Infinite Financial truly changed our lives. Buying a home felt overwhelming at times, but they found a fast and incredibly creative financial solution that made our dream possible. We will always be grateful for their expertise and support. Duncan, the owner, went above and beyond for us. His care, honesty, and constant communication gave us so much peace of mind throughout the process. We never felt like just another client — he genuinely cared about our outcome. If you’re looking for someone you can trust with one of the biggest decisions of your life, we cannot recommend Infinite Financial enough.
reviewer image
5.0 stars
|
9 months ago
Reviewed by Cathy
Duncan is so professional, patient, flexible, and very knowledgeable! He was able to get us a lender that was able to finance our home purchase. He succeeded and now we are home owners! 🏠🥰🤩🎉 Recordation was just yesterday but how he worked with us made us feel like we’ve known him for a long time. He is the best loan officer! Bonus points for the unnecessary fees you made sure to be removed from our closing expenses 😅 Thank you very much Duncan for helping us and our amazing realtor achieve my family’s dream to have our own house! 😍😍😍 We appreciate you very much and your team (thank you also Joan!) for the help! 🙏
reviewer image
5.0 stars
|
10 months ago
Reviewed by George Krischke
Duncan is a true professional who knows his craft. He communicated clearly and asked the right questions to zero in on the most practical finance solutions. He introduced me to a few investor loan options for two different 1031 exchange properties. He efficiently closed the first one on time. The second one is scheduled to close soon also on time. I have taken out over sixty mortgage loans during my investment career. Working with Duncan was a pleasure and a breeze to secure these two new loans. I'll be back for my next purchase soon. ~Mahalo & Aloha
reviewer image
5.0 stars
|
10 months ago
Reviewed by chen guo
5-Star Review for Duncan Hsia I had an outstanding experience working with Duncan Hsia on my loan. We ran into several major challenges during the process—our appraisal used a very low monthly income estimate for the DSCR loan, and the lender was unable to release funds on time. These were issues that could easily have delayed or even jeopardized the entire deal. But Duncan stepped up every single time. He communicated clearly, kept me updated, and—even more impressively—worked through weekends to help resolve the problems. He coordinated with the lender, pushed for corrections, and made sure every issue was addressed quickly and professionally. Without his persistence, we absolutely wouldn’t have closed on time. Duncan explained all the requirements in a way that was easy to follow and always made himself available whenever I had questions. His friendly and highly professional attitude really helped reduce the stress of the whole process. I would definitely work with Duncan again, and I’d confidently recommend him to any friend looking for a reliable and truly committed loan agent.
reviewer image
5.0 stars
|
3 years ago
Reviewed by Thomas Patrick
What more can be said about the Infinite Financial team that hasn't been mentioned below? We met with several loan officers and were blown away by Duncan's knowledge and attention to detail. He offers a broad spectrum of products beyond your traditional 30-year fixed loan. Duncan helped us find a unique mortgage that was perfect for our situation and we couldn't be happier! He made himself available for multiple phone calls and in-person meetings to make sure all of our questions were answered in detail. He also posts ton of great content on IG featuring innovations and updates within the industry. Thank you again, Duncan. You're the best!

Our Team


Cydney Gray