Ryan Hertz

Mortgage Loan Originator
NMLS # 1238981

Areas Serviced:

  • Hawaii, all islands

Ryan was born and raised in Western Montana. In the fall of 2002 he moved to Maui to skip a Rocky Mountain Winter. As it turned out one winter in Maui wasn’t enough. In 2004 Ryan fell in love with his future wife Desire’e. Ryan and Desire’e are the proud parents of two beautiful children Ryland and Madilyn. Together they pride themselves on family values and feel blessed to be raising their family on our beautiful Island of Maui.

Ryan has a passion for finance and has been active in Maui Real Estate for over 18 years. He has been a participant in the market during a variety of market conditions. Ryan takes great pride in honest, friendly and professional customer service. He believes that great customer service begins with great product knowledge. The mortgage market is constantly changing and evolving. Ryan is committed to maintaining his knowledge. This commitment allows him to bring the best mortgage product to the table for each individual client’s varying needs.

In his personal time Ryan enjoys the many recreational activities Maui has to offer. Ryan can be found surfing the beautiful north swells during the winter, hiking and biking the slopes of Haleakala, fishing our local reefs, and spending a relaxing weekend camping in Hana.

I have been involved with at least 20 loans so far in my life, purchase, refi, refi-cash out, investment, and HELOCs. Ryan is the BEST and would not have been able to complete my latest real estate transaction without him. He also helped with appraisal and insurance. Ryan was also able to close and finance the loan in like 3 weeks. Unbelievable! I had spoken and worked with 8-10 banks, credit unions, and brokers prior to finishing my loan with Ryan. If you need a loan he is your best chance of finding something that can work for you and your family.
Wollohana from Haiku, 8/18/2022
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!
Alexi from Wailuku, 6/22/2022

Aloha Ryan, Working with you was fabulous!! thank you for assistance throughout the loan process. I will certainly recommend your services to anyone I know who needs a mortgage.

KT & Maria from Wailuku, 5/24/2022

The overall experience was fantastic. All document uploads were systematic with easy to use software tracking progress throughout the mortgage. Ryan have seen wrap lender options, rates to choose from.

Brad from Kihei, 4/6/2022

For the 2nd time Ryan helped us secure a mortgage for a Maui property. He is helpful, professional and efficient at his job and made the purchase process smooth for my husband and I.

Teasy from Denver, 4/6/2022
We had started to work with other mortgage brokers before deciding to go with Ryan, so we can tell you that he has a special “can do” attitude. That was not our experience with the others. Whenever we had questions or concerns, he responded promptly and completely and always kept us on track as the interest rates began climbing. He was our advocate with the bank and secured us a loan with excellent terms. We are very grateful to Ryan and glad for having chosen him as our mortgage broker.
TJ from Hilo, 4/4/2022

Ryan was able to get our loan over the finish line on a tight schedule over the holidays. Ryan was great to work with throughout the entire process. I highly recommend him!

Andrew from Honolulu, 2/2/2022

Ryan was a huge help to us in our home buying process. We were first time home buyers and were able to secure a competitive rate. Ryan worked with us closely through the whole process. Even better, we closed our deal in 30 days over the holidays. We had a great experience working with Ryan and Pacific Home Loans.

Susheela from Honolulu, 2/2/2022

Very professional and considerate of the client needs. He made every effort to get the best deal for us and removed hurdles. He closed our loan in a record short time advising us on how to navigate and mitigate unexpected issues. Very highly recommended.

Pirouz from Kihei, 12/8/2021
Ryan worked hard to get us the right loan for our investment property. He is efficient in processing the loan to close in a timely manner even with obstacles. GREAT!! in communication kept us updated through the whole process. We would definitely use him again for future property transactions and would highly recommend!
Marjorie from Wailuku, 12/3/2021
Working with Ryan was seamless. He was able to answer all of our questions from the start. Moving through the process he was always prompt and clear with his answers. He worked hard to get us what we wanted. I recommend him to all of my friends.
aiko32 from Haiku, 10/19/2021
I contacted Ryan Hertz to be my loan officer for my home refinance. I’m so thankful I did! He has amazing work ethic, always responds in a timely matter, and kept me updated throughout the whole process. Ryan is kind, knowledgeable and I cannot thank him enough for all that he did. If your looking for a loan officer, I recommend Ryan.
Jamie from Wailuku, 10/6/2021
Ryan was fantastic! We used him in our first home purchase in 2017 and then again for our re-finance in 2021! Super quick, reliable, and easy to trouble shoot whenever hiccups came up. He walked us through the process both times and made us feel super comfortable even when we threw him some curve balls (changing jobs in the middle). We would highly recommend him and will certainly be using him for other future home loans or refinancing needs! You wont be disappointed.
zuser201701121555319, 9/16/2021
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.
J Andrews from Makawao, 9/13/2021

Second time working with Pacific Home Loans, first time with Ryan. I’m pleased with both the process and result, and highly recommend them. Thanks, Ryan.

Howard from Kihei, 9/9/2021

I had a great experience with Ryan Hertz with Pacific Home Loans. He is a great communicator and is very efficient, meticulous and ensures that everything goes through in a timely manner. I would highly recommend Ryan Hertz to anyone needing a loan.

zuser201709111747123, 9/7/2021
Ryan from pacific home loans was a delight to work with! We were short on time and he and his team worked very fast and professionally to secure our loan. I would definitely recommend using Ryan and plan to do so for our next purchase. Thank you again Ryan! Cheers
Pinney M., 5/3/2021
Great lender
Ryan was great. He was upfront about everything. He had my best interest at heart and listened to my concerns. He was quick to respond and worked to make the purchase of our home as smooth as possible. I would use Ryan again.
Sara S., 8/21/2019
An absolutely wonderful experience! We can’t recommend Ryan highly enough! He thoroughly explained everything and supported us through the entire loan process. He is extremely knowledgeable and definitely had our best interest at heart. This was our first time buying a home and it was understandably stressful. Ryan made it much easier to understand and got us the best rate possible. He went above and beyond and we are deeply grateful. There is no question we would work with him again in the future.
Frances, 8/2/2019
The go to loan originator for Maui!!! Ryan did a great job helping us get a GREAT loan and close quickly. We had a lot of last minute changes, and Ryan handled everything without issues! Would highly recommend and use again in the future!
Neal, 8/2/2019
Ryan Hertz makes it happen!
I am not your usual property buyer. I have some blemishes on my record, and I own my own business as an LLC. So it’s not like I can just line up my 1040s and W-2s and say “Hey, this is my income.” Not to mention I was going in on this property with a second investor, who has all their money tied up in various investments and trusts and IRAs.
Ryan sorted through all the angles and finagled a solution. Once we were preapproved we almost immediately found a property and had an accepted bid. Then, the paperwork began to fly.
Ryan kept it all manageable and understandable and was willing to be there and explain all the intricacies. It’s part knowledge base, part patience, and a little bit of an art form — holding peoples’ hands while they make a gigantic financial commitment which is in the form of a thing (home!) that has all sorts of emotional undertow.
And he did it all in just a little over a month from accepted offer to keys in my hand. When I asked if we could move the closing up 8 days he just said, let’s make that happen. And it did!
He’s excellent. You should get him on your team. Next time I’m in the market, I will immediately call him up.
tim68343, 7/28/2019
Outstanding service from start to finish. Ryan paid close attention to the details and provided great customer support. He was extremely responsive and was able to break down the technical talk into a way that my wife and I could understand. We asked a lot of questions and Ryan always had the patients to answer them all while doing so with a very comforting and friendly voice. We closed our loan fast and efficiently… what more could you ask for! Thanks again, Ryan!
Kevin W., 7/10/2019
Excellent Loan Originator – Ryan conducts his business with a very calm and confident approach. He is friendly, very easy to get along with, and very skilled in navigating through all the details of obtaining a loan. I was extremely satisfied working with Ryan and will definitely call on him whenever I need a loan in the future.
Mark, 5/28/2019
Pleasure to work with – Ryan is very pleasant to work with even when things get difficult. He works hard and gets the best loan. I feel that I can trust Ryan. I will use him again without hesitation.
Carl P., 5/22/2019
Helpful and knowledgeable – We were in a unique situation with the property we were attempting to buy, and Ryan helped us find a loan that would match the situation and still work for us financially. He walked us through the process and was very responsive. The loan would not have happened without him.
Carrie S., 2/20/2019
Mortgage Process with Aloha – We had a wonderful experience with Ryan Hertz acquiring our first Hale. He was extremely efficient, professional and available throughout the process to assist us in navigating and successfully purchasing our home. We felt as valued clients during the duration of the process. We would be happy to recommend Ryan to our own friends and family!
user62403065, 2/21/2019
Awesome! My wife and I are first-time home buyers and had a lot of uncertainty entering into the home buying process. Ryan was awesome to work with throughout the whole process! He was patient and informative during the first round when we just didn’t feel right and then responsive when we were ready with the right home. He worked hard to get us a great loan and made sure we were taken care of the whole way. We highly recommend him!
Jesse, 2/1/2019

Excellent Service
Ryan was excellent to work with; start to finish. He was very pro-active and reachable; when we had questions, he had the answers quickly. We closed actually sooner than anticipated and are in our new slice of paradise in time for Christmas.

randk642013, 12/20/2018
Smooth Process
Working with Ryan was great. He was on top of everything and made the process as simple as possible. I would definitely recommend him to others here on Maui!
Matthew, 9/17/2018
Professional | Efficient | Best Rates
If you want a no hassle mortgage experience then choose Ryan Hertz, don’t go anywhere else and have a broker do it for you, it is at no cost to you. Best experience I have ever had and I buy and sell a lot of homes.
MauiRyan, 7/24/2018
We have bought four homes over the past 25 years including the one on Kauai we recently purchased. Ryan has provided the best guidance and service than any funding agent we have ever worked with. He always returned our calls or emails and was very patient in answering any questions we had.
cowpunchtv, 3/1/2018
Ryan Hertz was very professional!
Ryan was incredible! He communicated and was very efficient. He secured our conventional loan on our investment property with ease. Our loan closed on time and the process was seamless. I would highly recommend Ryan for all your lending needs.
Tobi B. Fisher R(S), 1/30/2018
could not have been happier with my selection
Very professional and helpful from the first contact on. He was always on top of everything that needed to be done and worked very well with my realtor and me. Top service and very great from pre-approval to closing escrow.
casiweber2001, 12/20/2017
Ryan Hertz was awesome to work with! He was always available to answer questions. Very professional and personable! We will definitely work with him again!
alohaiko, 10/30/2017
Best On Island
Ryan is wonderful to work with. We will always use him for our home lending. Our home loan and refinance with Ryan were so easy. Working with Tyan was the best decision we’ve made for our home needs.
karnshawn, 10/29/2017
Ryan’s the best! I had a very complicated transaction and he was very thorough and quick throughout the entire transaction. Good communication, great customer service. Can’t say enough good things!
sarahamadeo, 9/5/2017
I’ve had jumbo loans before and every one of them was an ordeal to go through. Working with Ryan was great. He was proactive in getting the information that the underwriters would want before they asked. This was the smoothest jumbo loan I have gone through by far. I highly recommend using Ryan if you need a jumbo loan in Hawaii. Thanks for all the great work Ryan!
tim k., 8/8/2017
Great experience with Ryan!
Ryan and the team at Pacific Home Loans put in the research and work to help us get our loan. As first time buyers, we appreciated Ryan taking us through the process step by step and explaining parts of the closing costs we had trouble interpreting. He is knowledgeable and diligent in the process, so we felt we were getting the best deal possible. We would highly recommend working with Pacific Home Loans and have already given Ryan’s contact to friends interested in buying a home!
bemoorefree, 7/14/2017
Greatest loan officer ever!
I went through a couple different loan officers to try and get a construction loan, which as many know is very difficult. Once I started working with Ryan he made everything a lot easier! He was very helpful in so many ways and knew exactly what to do for every little glitch that occurred. If it wasn’t for Ryan I would have been a lot more stressed I don’t think I would have been approved. Through his hard work, knowledge and extreme DEDICATION I was approved and now building my home. He made me feel he wanted this more than I did! Which is great to work someone with that type of mind set!
zuser20140708223856205, 4/20/2017
Very helpful and informative. Kept in touch, gave us a real sense of the timeline, and worked hard to find us the best deals possible. Also provided reasoned analysis on all the options. Super quick to answer questions on points, rates, technicalities, specific assets and specific debts. Was extremely helpful in finding an appraiser who had experience with the type of property we were purchasing – an old home in a unique neighborhood with extensive rehabbing. For a variety of reasons, we had a long and windy path before we could close the deal, and Ryan was with us from start to finish. Most all – I would like to praise Ryan for thinking out of the box and being flexible. Mahalo!
zuser20150830195748177, 1/31/2017
We just closed escrow after a long and tortuous financing process on a condo in Hawaii, and could not recommend Ryan more. He came through for us where another professional failed, and despite a series of obstacles raised by the bank and the selling broker, we now have our little piece of paradise! Ryan was responsive and dogged in his determination to make this work for us, and I could not recommend him more highly. Just a pleasure to work with!
john5506, 9/2/2016
Ryan was wonderful to work with – very knowledgeable and on top of things. He took the time to explain all of the rates, fees and available options for our mortgage. He was patient with our questions and provided meaningful and helpful responses. He made the whole process feel smooth and easy.
zuser20160208160547548, 6/15/2016
I cannot say enough good things about Ryan Hertz. I had tried and failed to work with two other lenders and was at the end of my rope. The third time was the charm! I came across Pacific Home Loans and called asking to speak with their best and most creative loan officer. Fortunately, they gave me Ryan! He listened to my story and asked several questions. I asked him to be honest with me on if he truly thought he could help me with a construction loan. He was very encouraging and in the end came through for me with flying colors. It was not an easy transaction since I am not the “usual” borrower. Ryan was on top of things, very knowledgeable, and guided me through the process and his communication was awesome. Ryan truly was my last resort and is wholly responsible for making my dream come true. Signed, sealed and closed! I can’t wait to meet him in person!
alohafromjudy, 10/26/2015