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.

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!

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.

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.

Excellent Service! I worked with Steven and his team at Pacific Home Loans on the purchase of my Maui condo. The entire team worked seamlessly to keep my loan on track for closing on time! I cannot say enough good things about my experience with Steven and his wonderful professionals!

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.

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.

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!

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.

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.

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.