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.

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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 competitive rates and quick closings. 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.

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.

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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.

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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.

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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.

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Jumbo Loans

Pacific Home Loans offers one of the largest selections of Jumbo Loans in Hawaii and California.

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

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Cash-Out Refinance

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

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

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Alternative Document

Available for all occupancy types and employment scenarios.
No Doc – No Employment
Primary Residence Loan!
Learn about all of our
Alternative Document loans.

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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.

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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 Hawaii, California, Nevada, Oregon, Texas and Washington State.