— CALIFORNIA
California Mortgage &
Home Loan Solutions
Mortgage financing across California – from coastal luxury communities and resort destinations to primary residences and investment properties.
— ABOUT CALIFORNIA HOME LOANS
California’s Mortgage
Lending Specialists
Pacific Home Loans provides mortgage financing throughout California, with a focus on coastal luxury markets, resort communities, and complex property types that often require specialized underwriting. We also offer a full suite of traditional agency financing programs, allowing us to match each borrower with the most appropriate solution – whether the scenario is straightforward or requires a more strategic approach.
California’s real estate market spans some of the most diverse and high-value property types in the country, from oceanfront estates in Newport Coast and Malibu to second homes in Lake Tahoe and Palm Springs. Financing in these markets frequently involves jumbo loan amounts, non-warrantable condominium structures, resort zoning classifications, and complex borrower profiles.
— EXPLORE BY COUNTY
Coastal Property & Luxury
Home Financing in California
California’s coastal markets represent some of the most desirable and highest-value residential real estate in the United States. These locations attract primary residence buyers, second-home purchasers, and investors seeking long-term appreciation and lifestyle-driven ownership.
Many coastal properties involve financing considerations beyond standard agency guidelines, including jumbo loan requirements, non-warrantable condominium structures, and complex borrower profiles.
Orange County
Newport Beach • Newport Coast • Corona del Mar • Laguna Beach • Dana Point (Monarch Beach)
Los Angeles County
Malibu • Pacific Palisades • Manhattan Beach • Hermosa Beach & Rancho Palos Verdes
Santa Barbara County
The South Coast • Santa Ynez Valley • Santa Maria • Lompoc Valley
→ Santa Barbara Mortgages
San Diego County
North County Coastal • North County Inland • La Jolla • Del Mar • Solana Beach
— PROPERTY TYPES
Financing Considerations
for Coastal Properties
— POPULAR STARTING POINTS
Explore Your
Path to Ownership
— SPECIALIZED FINANCING
California Resort &
Second Home Markets
In addition to coastal communities, California is home to several premier resort and lifestyle-driven markets that attract second-home buyers, luxury purchasers, and investors. These markets frequently involve unique lending considerations tied to seasonal occupancy, rental demand, property classification, and loan structure.
— FOR RESORT & NON-WARRANTABLE PROJECTS
PrimeResort™
Some condominiums – particularly resort-designated or non-warrantable projects – require specialized underwriting that conventional lenders cannot provide.
Investor Qualification
Learn more about qualifying for a home loan utilizing investor and cash-flow-based qualification.
Portfolio Loans
Learn more about our portfolio loan options and flexible financing solutions.
— PROGRAM OPTIONS
Full Service California
Mortgage Financing
Pacific Home Loans offers a comprehensive range of loan programs to support California’s diverse property landscape, from traditional agency financing to specialized portfolio and alternative documentation solutions.
Conventional
Standard financing for primary residences, second homes, and investment properties structured to meet Fannie Mae and Freddie Mac guidelines – serving buyers across California’s diverse housing markets.
FHA Loans
Low down payment financing for eligible primary residence purchases and refinances, offering flexible qualification standards for buyers entering California’s competitive real estate market.
VA Loans
Zero down payment financing for eligible veterans, active-duty service members, and surviving spouses – built for the large military communities across San Diego, the Inland Empire, and beyond.
Jumbo Loans
Financing for California’s elevated property values, from coastal luxury estates and hillside retreats to high-rise condominiums in the state’s most sought-after markets.
Non-QM / Alt-Doc
Alternative documentation programs tailored for California’s large population of self-employed professionals, entrepreneurs, investors, and borrowers with non-traditional income structures.
Portfolio Loans
Loans for high-value transactions, complex financial profiles, and scenarios that fall outside conventional guidelines in California’s premium markets.
— WHY PACIFIC HOME LOANS
Pacific Home Loans
California Mortgages
Pacific Home Loans understands that California financing is not one-size-fits-all. Whether the property is a coastal luxury residence, a resort condominium, a non-warrantable project, or a high-balance primary home, our team structures the right solution.
Condo Financing Expertise
Expertise in complex condo, condotel, and financing for California’s resort marketplaces.
In-House Service
In-house underwriting and delegated lending capabilities for faster, better service.
Flexible Borrower Solutions
Experienced with high-value and luxury transactions, offering loan amounts up to $30 million.
Licensed Across 10 States
Hawaii-headquartered with multi-state licensing – serving borrowers wherever their investment journey takes them.
Dedicated Loan Team
Every borrower is supported by a dedicated team from application through closing – not passed between departments.
Streamlined Process
Pre-qualify quickly, upload documents securely online, and e-sign mortgage disclosures from anywhere.
— COMMON QUESTIONS
California Mortgage
FAQ
Have a question not answered here? Our team is available to walk through your specific scenario.
— 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 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!
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!
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!
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 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.
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.
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.
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.
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!!
