— OUR APPROACH
Built on Trust.
Driven by Results.
Pacific Home Loans specializes in condominium and resort property financing, including many properties commonly referred to as condotels, while also providing mortgage solutions across the full residential spectrum, from first-time homebuyers to luxury homes and investment properties.
Headquartered in Hawaii and licensed across multiple states, our team brings deep experience in financing properties that often require specialized underwriting, including resort condominiums, non-warrantable projects, and complex borrower scenarios.
Banker & Broker
Pacific Home Loans combines the speed of a mortgage banker with the flexibility of a broker. We offer competitive rates and efficient closings on conventional, VA, FHA, jumbo, and specialized portfolio financing programs.
Our lending platform also allows us to structure solutions for borrowers with unique financial profiles, investment properties, and higher-value transactions.
→ PrimeResort™ Condo Financing
→ Portfolio Loans & Flexible Financing Solutions
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.
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.
— WHAT WE FINANCE
Solutions For Every
Property & 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.
Primary & Conventional
Pacific Home Loans offers Conventional, FHA, VA, and Jumbo Loans for single-family homes and standard condominiums across Hawaii and the mainland.
PrimeResort™ & Condotels
Learn about our specialized financing options for resort condominiums and non-warrantable projects that require expert underwriting – our core expertise.
Non-QM & Alt Doc
In-house portfolio capital and Non-QM alternative documentation programs for self-employed borrowers, investors, and complex-income scenarios.
— CLIENT TESTIMONIALS
What Our Clients
Are Saying
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.
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 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.
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.
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!
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.
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!
— 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.
