Mortgage Experts
Your Trusted Source for Home Loans – Experts in All Residential Loans and Specializing in Resort Condos, Condotels, and Complex Transactions Other Lenders Decline
Flexible financing for homes, condominiums, condotels, resort properties, and investment real estate. Originated in Hawaii’s resort condo market over 20 years ago. Now serving 10 states.
— OUR APPROACH
Built on Trust.
Driven by Results.
Pacific Home Loans specializes in condominium and resort property financing – including non-warrantable resort condos and condotels – while providing mortgage solutions across the full residential spectrum, from first-time homebuyers to luxury homes and investment properties.
Headquartered in Hawaii and licensed across 10 states, our team brings deep experience in financing properties that often require specialized underwriting: resort condominiums, non-warrantable projects, condotels, Hawaii CPR properties, and complex borrower scenarios.
Banker & Broker
Pacific Home Loans combines the speed of a mortgage banker with the flexibility of a broker. We’ve been funding Non-QM loans in-house since 2018, while maintaining one of the most diverse Non-QM and Portfolio investor shelves in the industry. That means competitive rates and efficient closings on Agency programs (Conventional, VA, FHA, jumbo), plus the program range to handle specialized portfolio financing scenarios that one-bank lenders can’t match.
More Options
Whether you are a first-time homebuyer or an experienced investor purchasing or refinancing a home or condominium, we guide you through the financing process so you can make informed decisions and choose the mortgage that best fits your goals. Our lending platform structures solutions for borrowers with unique financial profiles, investment properties, condotels and condo hotels, and higher-value transactions.
Your Home Loan Team
Your mortgage loan officer has the support of a dedicated team focused on delivering a smooth lending experience from application through closing. Our streamlined process allows borrowers to get pre-qualified quickly, securely upload documents online, and electronically sign mortgage disclosures.
— FLAGSHIP PROGRAMS
Programs That
Set Us Apart
Two purpose-built Pacific Home Loans programs that address the most common high-value financing scenarios – and that you won’t find at a typical bank or broker:
PrimeResort™ – Non-Warrantable Resort & Vacation Rental Condo Financing
Most vacation rental condos are not condotels – even though many lenders price them as if they were. PrimeResort™ is purpose-built for non-warrantable resort condominiums, typically starting at 20% down on loan amounts up to $2,000,000, with rates often approximately 1% below condotel financing. Originally developed in Hawaii’s resort markets (Wailea, Kāʻanapali, Kapalua, Waikoloa, Ko Olina, Princeville, Waikīkī, Kīhei) – now available in resort markets nationwide.
→ Learn more about PrimeResort™
Bridge-to-Sale™ – Portfolio Bridge Financing for Buying Before Selling
A 12-month interest-only portfolio bridge solution for departing primary residences that are listed – or preparing to list – for sale. Loan amounts from $1,000,000 to $30,000,000. Designed for luxury sellers managing dual transactions in competitive markets where non-contingent offers are required to compete.
— WHERE WE LEND
Our Service Areas
Pacific Home Loans provides mortgage solutions across multiple states. Select your state to explore local market programs, county-specific financing, and available loan options.
— WHAT WE FINANCE
Four Financing Tracks for
Every Property and Borrower
Whether your property is conventional or complex, owner-occupied or investment, our team has structured solutions that work – including scenarios other lenders turn away.
Agency Financing
Conventional, FHA, VA, and traditional Jumbo Loans for single-family homes and standard condominiums across Hawaii and the mainland. For owner-occupied buyers with standard income documentation, this is where the lowest down payments and rates live.
PrimeResort™
Our purpose-built program for non-warrantable resort and vacation rental condominiums. From 20% down with rates often roughly 1% below condotel financing – for the resort properties where standard agency guidelines don’t apply but condotel pricing isn’t appropriate either.
Non-QM & Alternative Documentation
Flexible qualification programs for self-employed borrowers, investors, and complex-income scenarios – including DSCR (qualifying on rental cash flow), Bank Statement, Asset-Based, 1099 Income, Foreign National, and Private Money / bridge financing. Funded in-house since 2018.
Portfolio Lending & Condotel Financing
In-house portfolio capital for condotels, luxury properties, jumbo and super jumbo lending ($250,000 to $30 million), and advanced strategic structuring including pledged-asset strategies, cross-collateralization, and Bridge-to-Sale™ dual-transaction solutions.
→ Portfolio Loans, Condotel Financing & Strategic Luxury Properties
— PHL CAPITAL PLATFORM
The Pacific Home Loans
Lending Platform
Whatever your scenario, there’s a financing track designed for it. We structure financing using a tiered capital platform based on borrower profile, property classification, liquidity, qualification strategy, and transaction complexity:
Agency Financing
Conventional, FHA, VA, and traditional jumbo programs for borrowers and properties meeting standard guidelines
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PrimeResort™
Non-warrantable condo and vacation rental condo financing for resort-style condominium projects
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Non-QM Financing
Flexible qualification using DSCR, bank statements, asset-based qualification, 1099 income, foreign national documentation, and short-term private money / bridge financing
↓
Portfolio Lending
Condotels, luxury property financing, jumbo and super jumbo lending, and advanced strategic structuring
— HAWAII EXPERTISE
Born in Hawaii’s
Most Demanding Condo Market
Hawaii’s resort and condominium market is one of the most complex financing environments in the country. Non-warrantable projects, condotels, leasehold properties, CPR site-condo structures, short-term rental zoning, hurricane insurance considerations – we’ve been navigating all of it for over 20 years. That expertise now extends to resort and condominium markets across all 10 of our licensed states, including Vail, Sunriver, Scottsdale, Big Sky, Lake Chelan, Gatlinburg, Fredericksburg, and more.
→ Buying a Condo: Classifications, Project Review & Hawaii CPR Properties
— CLIENT TESTIMONIALS
90+ Reviews From Real
Pacific Home Loans Clients
Self-employed borrowers, condo buyers, condotel investors, foreign nationals, Realtors, and high-net-worth clients – the testimonials below stream live from our 90+ Google reviews. We’re proud of every one of them.
Ginni, I just wanted to thank you for all the help you provided to get my refinancing done. I was very pleased with your knowledge of the unique aspects of the Maui property and mortgage market. And also, throughout the process, you understood my goals and achieved them, with a competitive package and excellent, personalized customer service. It was great working with you.
Steven and his team were exceptional in their communication and service from when I first inquired about a loan to the day I recorded. They walked me through what to expect each step of the way. I know how busy they are, but they truly made me feel like I was the only client they were servicing. I am a real estate agent and this loan was for my personal purchase. I am happy to say that I could not have asked for my loan process to go any better, it was truly exceptional. I highly recommend Steven and his team at Pacific Home Loans, they are no ka oi, as we say it here in Hawaii! Thank you Steven and all on your team, you each made my home purchase experience wonderful! Mahalo nui!
Ginni Madsen and her team were instrumental in helping me obtain financing for our family home. We had gone through a short sale and needed to find a lender who would work with us. Ginni was able to find a lender She was available by phone at almost all times we called and was patient enough to help us through everything! I would recommend Ginni to anyone!!
We recently had the pleasure of working with Ryan on a home purchase involving a 1031 exchange. It was our first exchange purchase, which involved a lot of additional details on how we could use different funds while maintaining a tax-advantaged state, we were also out of state, and managing the purchase through a period where Fed rate hikes were coming. Ryan and his team were absolute experts, there wasn’t a single question they didn’t know how to answer, they partnered with our agent and exchange team wonderfully, and set us up to actually close almost a week early with zero hitches. I’d highly recommend him and would work with him again in a heartbeat!
The Property is unique and required a true specialist and Steven and his team we’re just the ticket. As a first time home buyer, I had many questions and concerns. They were helpful all along the way. My family was very excited when we finally got to move in to our new home. Thank you Pacific Home loans.
Ryan was very professional and prompt. He was knowledgeable about the process and we would recommend him to anyone on Maui! Home buying can be a stressful process and he ensured that it ran as smoothly as possible.
Thanks to the entire staff of Pacific Home Loans, our refi was a success! Especially when it’s not so easy to get any type of loan being self employed.
Ginni was AMAZING!!! We couldn’t be more happy with our home buying experience! She went above and beyond!!! Best mortgage lender experience we’ve ever had!!! Thank you! Thank you! Thank you!
I have used Pacific Home Loans for several mortgages and they never fail. Rates quoted are accurate and the staff are right on top of it. I would recommend Pacific Home Loans to anyone looking to buy real estate or refinance. They will not let you down.
Steven and his team have helped several of our clients and friends with loans in the past. We have always enjoyed working with them and chose to have them take care of our personal home loan as well. Steven is very creative in choosing specific loan programs and helping find the best solution for the type of loan that will work for you. Two years later we chose to use them again to re-finance. Steven was able to get us a great rate. He is very thorough and has a team that follows up to answer any questions that you may have and walk you thru the process. We highly recommend Steven and his team.
— FOR REAL ESTATE PROFESSIONALS
Realtor Partnership
Resources
Pacific Home Loans partners with real estate professionals on the transactions that require more than a standard agency approach – bridge scenarios, resort condominiums, high-value portfolio transactions, complex-income borrowers, foreign national buyers, and listing-side pre-qualification for hard-to-finance properties. Our flagship Realtor tool, Bridge-to-Sale™, is designed for clients buying before selling in competitive markets.
