Your Local Source for Hawaii Home Loans

Pacific Home Loans is a mortgage banker and a broker in Hawaii. We offer a complete line-up of home loan programs for all your financial needs.

Whether you are purchasing or refinancing a Hawaii Home or a Condominium, Pacific Home Loans is committed to providing you with high-level mortgage planning, and guiding you to make informed decisions regarding what is likely to be one of life’s biggest investments.

As a mortgage banker and mortgage broker, Pacific Home Loans can fund your loan in-house for some of the quickest closings and lowest rates in Hawaii. In addition, we have the added benefit of offering many portfolio loans such as condotel, land, construction to permanent, self-employed Alt Doc, and many more to ensure all your Hawaii residential home loan needs are taken care of.

We offer loans throughout the State of Hawaii on the islands of Oahu, Maui, the Big Island, and Kauai.

Not every loan scenario is a good fit for every bank.

Whether you’re purchasing or refinancing a home or condominium, we’ll find the right mortgage for you. With our vast resources as a broker, you have the best possible chance of getting your loan approved.


Your mortgage loan officer has the support of an entire team, ensuring that you have the best experience possible.

Our streamlined process helps you get pre-qualified in minutes. Apply online to efficiently upload documents securely, and E-sign mortgage disclosures.


Check Out Our Live Streaming Rates

We are proud to offer some of the most competitive Conforming & Jumbo rates in Hawaii and California.

Click on the “Get Personalized Quote” button to calculate a rate quote for your personal scenario.

With our interactive Custom quote feature, you can get competitive rate quotes for Conventional, Jumbo, VA, and FHA loans without having to provide any personal information. No one will follow up with you unless you request to be contacted.

These rates are based on a conforming purchase loan with a 20% down payment, and a jumbo purchase loan with a 20% down payment. The current max Conforming Loan amount is $822,375 in Hawaii, and $548,250 in most California counties. A Jumbo Loan is any loan amount greater than $822,375 in HI, and $548,250 in CA.

Pacific Home Loans is a direct lender.

Funding your loan in-house will ensure that you close with a competitive rate and quickest closing possible.


Get prequalified in minutes with our online loan application, upload documents securely and in minutes, E-sign mortgage disclosures, and save days of work for yourself and our loan officers.

Learn more about the loan process

Jumbo Loans

Pacific Home Loans offers one of the largest selections of jumbo loans in Hawaii.

Learn about our jumbo home loan programs and our competitive rates!

Learn More

Cash-Out Refinance

Find out if a Cash-Out Refinance is right for you.

Cash-Out Refinances help qualified homeowners to access the equity in their home.

Learn More

Alternative Document

We have many great home loan options for self-employed applicants and investors.
Learn about all of our Alternative Document loans designed for self-employed applicants and investors purchasing or refinancing.

Learn More

First-Time Buyers

Pacific Home Loans offers many loans designed specifically for First-Time Home Buyers!
Learn about our loan programs that will ensure you have the best possible chance to get pre-qualified to buy your first home or condo.

Learn More


Apply Online to get started on the loan process right away.
If you have any questions, please feel free to call toll free (866) 389-2778 or local (808) 891-0415.

Pacific Home Loans is now licensed to offer home loans in California and Hawaii.