— REALTORS
Realtor Resources &
Financing Solutions
Structured mortgage solutions for complex transactions, competitive markets, and clients that other lenders turn away – across Hawaii and all markets where Pacific Home Loans is licensed.
— ABOUT REALTOR RESOURCES
Realtor Resources &
Financing Solutions
Pacific Home Loans partners with Realtors across Hawaii and all markets where we are licensed to help structure financing for clients and transactions that require more than a standard agency approach.
Our team specializes in the transactions that are hardest to close – resort condominiums, non-warrantable projects, high-value portfolio deals, self-employed and complex-income borrowers, and dual-transaction bridge scenarios. We’ve been doing this in Hawaii for over 20 years. That experience now extends across 10 licensed states.
If you’re working on a deal that needs a solution – not just a rate – this is where to start.
— FLEXIBLE FINANCING
Why Realtors Work With
Pacific Home Loans
We Close Deals Others Turn Down
Our lending platform is built around the transactions standard lenders decline. Non-warrantable condominiums. Condotels. Resort-designated projects. Self-employed borrowers. Foreign national buyers. Borrowers managing the timing between two properties. We have structured underwriting solutions for all of it.
Pre-Approval Credibility in Competitive Markets
Our pre-approvals are underwritten, not just calculated. When your client submits an offer in a multiple-offer environment, our pre-approval letter carries weight. We review income, assets, credit, and property eligibility before issuing – not after.
Resort & Condo Expertise – 20+ Years
Hawaii’s resort and condominium market is one of the most complex financing environments in the country. We’ve been navigating project eligibility, HOA review, warrantability assessments, and condotel financing since before most national lenders developed a position on it. That expertise now extends to resort markets across all 10 licensed states – Vail, Sunriver, Scottsdale, Big Sky, Lake Chelan, Gatlinburg, and more.
Portfolio Capital for High-Value Transactions
Loan amounts up to $30 million, in-house funded. We can structure pledged asset strategies, cross-collateralization, and contingent-to-non-contingent execution — the tools that matter in high-demand, competitive markets.
NQM Programs for Complex Income Scenarios
Bank statement loans, DSCR investor financing, asset-based qualification, 1099 income programs, ITIN loans, and foreign national financing. When your client’s income doesn’t fit a W-2 box, we have a structured qualification methodology that works.
Multi-State Reach
Pacific Home Loans is licensed across Hawaii, California, Nevada, Arizona, Oregon, Washington, Colorado, Montana, Tennessee, and Texas. Whether your client is buying in their home state or relocating across the country, we can structure their financing.
— SPECIALIZED FINANCING
Bridge-to-Sale™
Our Flagship Realtor Tool
Bridge-to-Sale™ is a 12-month, interest-only portfolio bridge solution designed for clients who need to purchase their next home before their current one closes – without weakening their offer.
12-Month Interest-Only | Loan Amounts $1M–$30M | Portfolio-Structured | Departing Residence Considered in Structuring
Turn Contingent Buyers Into Stronger Offers
In competitive and luxury markets, contingent offers may limit negotiation strength and delay acceptance. Bridge-to-Sale™ allows your client to:
- Purchase their next home before their current one closes
- Reduce or eliminate sale contingencies
- Expand buying flexibility
- Compete more confidently in multiple-offer situations
This structure is particularly effective in higher-priced transactions where timing and liquidity influence offer strength.
— STRATEGIC LENDING
Bridge-to-Sale™
Financing Solutions
Bridge-to-Sale™ is a 12-month interest-only portfolio bridge solution structured for departing primary residences that are listed – or preparing to list – for sale.
Key Program Characteristics
- Loan amounts from $1M to $30M
- Interest-only structure during the bridge period
- Portfolio underwriting flexibility
- Departing property considered in structured qualification
- Reserve-backed servicing structure
This program is designed to simplify qualification in high-value dual transactions while maintaining underwriting discipline.
The Dual-Transaction Advantage
Bridge-to-Sale™ supports sellers upgrading, downsizing transitions, relocations, and luxury repositioning. When properly structured, departing residence debt may be treated differently than traditional DTI models allow – improving purchase qualification in certain scenarios.
This is a strategic tool for agents managing dual escrows.
All loans remain subject to underwriting guidelines and borrower qualification.
Ideal Client Profile
Bridge-to-Sale™ may be appropriate for:
- Luxury sellers with significant equity
- High-net-worth homeowners managing the timing between properties
- Clients in competitive resort markets where non-contingent offers are required
- Sellers transitioning between primary residences
- Buyers at resort and luxury markets across all 10 licensed states
For resort-designated and non-warrantable condominium transitions:
How to Introduce the Program to Clients
Suggested framing:
“We have a portfolio bridge solution that may allow you to purchase before your current home sells – without weakening your offer.”
This keeps the conversation strategic rather than product-heavy.
— MARKETS SERVED
Where Bridge-to-Sale™
Solutions Are Offered
We serve Realtors and their clients across all markets where Pacific Home Loans is licensed:
— COMMON QUESTIONS
Realtor
FAQ
Have a question not answered here? Our team is available to walk through your specific scenario.
Ready to Structure a Transaction?
If you are representing a client who needs a financing solution that standard lenders can’t provide – whether it’s a bridge scenario, a resort condominium, a high-value portfolio transaction, or a complex income situation – our team can evaluate options and structure a strategy.
Call 1-866-389-2778
