Your Local Source for Hawaii and California Home Loans
Pacific Home Loans is a mortgage banker and a broker in Hawaii and California. We offer a complete line-up of home loan programs for all your financial needs.
Whether you are purchasing or refinancing a Hawaii or California 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 lowest rates and quickest closings in Hawaii and California. 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 and California 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 and the entire state of California with offices in Laguna Beach.
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 $970,800 in Hawaii, and $647,200* in most California counties. A Jumbo Loan is any loan amount greater than $970,800 in HI, and $647,200 in CA.
*High-Cost Area Limits for California $970,800
For areas in California which 115 percent of the local median home value exceeds the baseline conforming loan limit, the applicable loan limit will be higher than the baseline loan limit. HERA establishes the high-cost area limit in those areas as a multiple of the area median home value, while setting a “ceiling” at 150 percent of the baseline limit. Median home values generally increased in high-cost areas in 2021, which increased their CLL. The new ceiling loan limit for one-unit properties will be $970,800, which is 150 percent of $647,200.
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.
