Steven Mangum

NMLS# 263952

Born and raised in California, it was Hawaii’s year-round surf and sun that lured Steven Mangum to Maui after beginning his mortgage career in 2003. His experience with a fast-growing Irvine, California brokerage firm served him well as he landed a management position in 2004 with a Hawaii mortgage company. In 2007, he decided to take the leap and launch Pacific Home Loans where he continues to lead the company successfully through the many changes in the mortgage industry.

Consistently a top residential mortgage producer, Steven has closed more than 1,500 home loans in Hawaii and California. He believes in the importance of always being readily available to his clients and serving them with the highest level of expertise. He maintains his NMLS (Nationwide Mortgage Licensing System) license which requires rigorous testing and continuous education in addition to background and credit checks. Steven also remains an active member of both the National Association of Mortgage Brokers (NAMB) and the Hawaii Association of Mortgage Brokers (HAMB), attending conferences and classes to keep him at the forefront of the trends in the mortgage industry.

Do you have a question regarding:

  • Loan programs
  • Prevailing interest rates for portfolio loans
  • Unique loan scenarios

Please email or call (808) 891-0415 to schedule a phone or office meeting with me.

We highly recommend Steven Mangum and Pacific Home Loans. Our first experience with them was 12 years ago, and we have been return clients ever since. We would not consider going with anyone else! They take so much of the stress out of purchasing a home with their consistent communication, professionalism, ingenuity, and expertise. Our most recent purchase this month had some challenges, and it was a huge relief to be able to depend on such a solid team. We really appreciate Steven, Janelle, and the rest of the team at Pacific Home Loans!
Tanya, 8/5/2019
Excellent customer service and good loan plan for second home! We enjoyed working with Steven and Janelle. They were able to offer us a loan plan that worked for our needs. We purchased a second home in Maui and wanted to use it in the short term rental pool. They offered us a program with a lower down payment than expected, with a solid interest rate. Steven and Janelle provided excellent customer service throughout the loan process. We were able to do almost 100% of the paperwork via Docu-sign, which was very helpful as we live in Seattle. We would recommend them to anyone looking to purchase a home in Maui. They proved to be trusted professionals in their field.
Julia, 7/30/2019
Excellent to work with! We enjoyed working with Steven and Janelle. Communication was excellent and most important the rate and down payment were better than we expected for a 2nd home that also allowed short term rentals. The loan was completed on time and there were no surprises. We would use them again in a heartbeat!
Bryan, 7/30/2019
We have our Maui condo thanks to Steven and Janelle at Pacific Home Loans.
Steven and Jenelle make a great team in handling all the work needed to secure our Maui condo loan. I appreciate their “Aloha” and the professionalism they displayed to get this completed. We plan to work with them again in a few years when we purchase our next home here. I recommend them to anyone who plans to make a purchase on Maui.
Jack and Pina, 7/15/2019
personalized attention, easy to work with and got the job done flawlessly!
The team at Pacific Home Loans (Steven and Janelle) were amazing! Everything was personalized, clear and easily done. They were very easy to reach, speak to, and made buying a home from very far away very easy. They were attentive to detail, very receptive to questions, and also worked proactively to ease the many steps of loan approval. We would use them again 1000% and highly recommend them. As compared to other loan officers, they are honest, personal, and never pushy or “salespeople”. Never felt pressured, rushed, or like our questions were stupid. YOU WILL NOT REGRET GOING WITH THIS TEAM! Go with Steve Mangum and team at Pacific Home Loans!
Jason + Neil, 7/15/2019

A most heartfelt thank you for everything Steven did for us to make this loan happen. I am so very grateful for for your expertise and knowledge on the type of loan we needed to close this deal. It’s been years since our first contact, but I am so glad I finally decided to go with you to assist us through our first Hawaii home purchase. We will definitely keep in touch. We are beyond excited about this unbelievable transaction.

Jenny G., 4/20/2017
Steven and Janelle were a pleasure to work with. They made our mortgage process seamless and pain free. Their guidance and knowledge made the home buying experience a breeze. Great team!
David F., 5/31/2019
Great customer service. Responsive. Professional. Diligent. Its rare to find such great service in today’s world. A real breath of fresh air!
Quincy D., 5/23/2019
First time home owner here!! We were connected to Steven and his team by my brother, who had a great experience working with them to purchase his home on Maui. From the pre-qualification process to closing, Steven and Janelle were professional, kind, answered every question we had about the home buying process promptly, and made the process understandable and manageable. I would not hesitate to work with them again in the future and I recommend them to anyone interested in purchasing a home in Hawaii.
Vcitoria R., 5/23/2019
We had a really complex deal to do and Steven and his team did a fantastic job of putting it together smoothly.
Shannon M., 5/20/2019
Stop looking for a lender and contact Steven at Pacific Home Loans. We just closed on our house, thank you Steven and Janelle! This would not have been possible without these miracle workers! Janelle is the most organized and on top of it person, highly efficient while still being so kind! And Steven is not afraid of a challenge…and will work with you even when all hope seems lost to somehow make it happen. We had the best experience with this team, highly recommended!
Natalie M., 5/17/2019
We just finished a deal with Steven with Pacific Home Loans for a property in Lahaina. It was an extremely complicated deal, but Steven & Janelle saw us through it. Steven is intelligent, organized, and very thoughtful in the way he conducts business. I normally don’t write reviews, but I still can’t believe they made it happen. If you are looking for someone to solve your home loan issues or give you the best quote, Steven with Pacific Home Loans is the way to go. Mahalo again!
Caleb M., 5/16/2019
It was a pleasure working with Steven and his team…They exceeded all of our expectations from the pre-qualification process to the final loan approval. We would definitely use Steven again and strongly recommend anyone considering a financed home purchase to speak with Steven to discuss the multiple financing options that Steven has available. Steven was always available to us when we had questions and his team patiently guided us each step of the way. If you value education, communication and accountability, Steven and his team won’t disappoint. We truly felt like we were their most important client. Thank you Steven! You were an instrumental part in us purchasing our dream home.
Robyn C., 7/4/2018

Wow! Steven and his team are the BEST! They made a potential stressful process easy and worry-free! Having a knowledgeable team on your side is the only way to go. They kept us informed and updated all along the way and answered our many questions with patience and kindness. A huge mahalo to the entire staff!

Sue G., 5/10/2018

Thanks to Pacific Home Loans we were able to close on our new home with guidance and expertise throughout the process. Steven and his team are on it & very experienced. Thank you Pacific Home Loans Ohana

Yve K., 1/25/2018
Steve, Janelle and the rest of the team at PHL were an absolute pleasure to deal with. No question was left unanswered and the speed with which emails were answered was amazing. If you are looking for a home loan or refi – these are the people you want to work with. They truly understand the meaning of customer service!
Mari S., 1/5/2018

Very impressed! Expertise and excellent customer service.

Kevin R., 8/31/2017

I just purchased a condo for investment with a loan through Pacific Home Loans. Even though it was a small loan, Steven and his staff were extremely helpful. They got me a good rate, communicated clearly and efficiently, and were pleasant and helpful throughout the process. They were recommended to me by a friend and I recommend them highly. Very professional and caring.

Emily G.

Pacific Home Loans proved that miracles do happen!
Steven and team are truely amazing and it’s been an absolute pleasure working with you. I will only use Pacific Home Loans in the future and will highly recommend you to my friends and family. You guys are all true ROCKSTARS! MAHALO NUI LOA.

Craig H., 11/6/2018

Pacific Home Loans is amazing!
They have provided nothing but top notch professional service. Working with Janelle and Steven was a blessing. They went above and beyond all expectations. They did everything in their power to get us the best rate possible. Their work ethics unmatched, selfless service, attention to detail and genuine care for the client was on display from start to finish. I look forward to doing business with them in the future.

Joshua R., 10/16/2018

What a great experience it was working with Steven and his team of professionals at Pacific Home loans. We knew from the beginning that our loan would be challenging, but his entire office stayed on top of it and were able to get us approved! From the beginning our Loan Officer Steven, was professional and attentive. He was available to answer all of our questions and kept us informed through every step of the home buying process. In the end he and his staff pulled off an early closing for us!! We are truly grateful they made the dream of home ownership come true for our family! Thank you, Pacific Home Loans!

Cindy and Joe, 10/15/2018
Thank you so very much for all of your help in securing our loan for our new home here on Maui. You…were very organized, thorough and professional, which made all of the difference in our interactions with you. We put our trust in you and you most definitely came through for us. Steven went out of his way to make sure we got the best available loan at the lowest possible rate.
michaeljwalters, 10/7/2018

Working with Steve and his team at Pacific Home Loans was beyond perfect. This was hands down the easiest property transaction I have ever made. They were prompt, professional and implement the latest communication tools to make everything go smoothly. Using PDF files, Dropbox and Docusign they took all the hassle out of a long distance purchase. I will definitely use them again!

mikaelstewart, 7/19/2018

As a healthcare administrator for many years, I am fully aware of the fear, anxiety, and foreign feeling of being in the hospital. Much like buying a house! The emails, documents, and language agents and lenders speak can be overwhelmingly exhausting. Steven and his team took the time to walk me through the process and explain everything in a manner that made sense to me. No hidden fees or agendas, just straight simple talk. I would highly recommend PHL to anyone seeking a lender for a home loan. It’s refreshing to know you have someone in your corner during a stressful time!

Vic C., 7/12/2018

We had such a great first experience a few years back with Steven and Janelle and the Pacific Home Loan crew that we came back for another mortgage! Once again, they were always courteous, very fast to reply (even through the busy holiday season) and made the process so easy and smooth from start to finish. We obviously would use them again (as we are already repeat clients) and we recommend them to our friends and family. Mahalo nui loa!

Heather B., 1/11/2018
Steven Mangum of Pacific Home Loans has been absolutely amazing!
He educated & walked us through each step of procuring our Home Equity Conversion Mortgage, the new HUD reverse mortgage program. Although he knew at onset that this would be a challenge, he met it like a pro and closed the loan! The thorough research of his team even saved the deal after being given incorrect info from our HOA mgt company!
Calls were promptly returned and he went the extra mile to accommodate our schedule by holding a weekend conference call with us. Steven’s patient presence from beginning to end resulted in achieving our goal: We now can live in our home as long as we need/choose with sufficient fund$ to meet our living expenses.
We highly recommend him to our family and friends for all their mortgage needs!
Iwalani G., 1/4/2018
Got me my construction loan (which I thought would be impossible), and about to fund my cash-out refi at a great rate. Love these folks.
James Q., 8/31/2017

Super loan service, give Steve a call. They do a great job!

Robert V., 8/30/2017
This is the second time my husband and I have worked with Steven and Janelle in the last two and a half years. I will continue to recommend them and will work with them again on future loans.
Jenny G., 6/4/2019

Steven and his team helped me secure a land loan to purchase a piece of property on Maui. Steven and his team are outstanding. My wife and I are looking forward to building our home soon and will be using Pacific Home Loans to arrange our construction-to-perm loan. I give Steven and company my highest endorsement!

Tom C.

I’ve worked with Steven and his staff on two different loans on vacation properties, and they were super nice, knowledgeable, helpful, and efficient. Lawful home lending involves filling out mountains of paperwork, but they helped me every step of the way and promptly answered my questions. They only let you borrow what you can afford and match you up with the best loan for your situation. Also, I like the fact that they are very security minded with multiple safeguards protecting your private information. Like the previous reviewer, I highly recommend them.

Amy B.

I recently did a refinance on my home through pacific home loans. Steven and his team…were great to work with. They made the process very easy and stress free. I highly recommend pacific home loans.

Chris M.
I highly recommend Steven and Pacific Home Loans! I refinanced my home and he and Michelle were fantastic to work with. This can be a long and confusing process but they simplify it as much as possible for the client. They are professional, honest and efficient! I got the best rate possible, better than anyone else I spoke with, and they were very communicative throughout the process. Whether you want to refi or get a home loan, this is the best company to go with, no question.
Sarah M.
We could not have purchased this property without his help, and we highly recommend…We were working with Steven and his team on financing a property in Maui at a time when the bank lending market was incredibly difficult. We could not have purchased this property without his help, and we highly recommend their professionalism, understanding and persistence in dealing with the lenders servicing the Maui mortgage market. Mahalo to the Pacific Home Loans team!
gudrung, 7/25/2014

We had a tight deadline and went from contract to close in less than 30 days and Steven and his team made it easy and for us, we really couldn’t have done it without them. While we have had mortgages in the past, and the process is just not a lot of fun, Steve’s team was very good about anticipating what the lender what ask for next so there weren’t any “surprises” or fire drills which no one likes. From start to finish really just a positive experience and a top notch outfit from top to bottom. If you are getting a mortgage I highly recommend talking to Steven and his team.

Mitch W., 7/31/2014
I wanted to Thankyou again for helping me obtain this loan to move into my very own home. I am so excited to be able to start my life over and I feel that I am surely on my way now that I am a home owner. It has now been a month since I got settled in. I wanted to write…to you to express my gratitude to you and your staff…I would also like to thank Irma for all she did to make the loan a success. She persevered through quite a few difficulties that posed some real challenges. Even as I got worried, she was always reassuring and I felt confident knowing she was doing all she could to make it happen. Thank you Irma! Thank you Steve for telling me that I had a chance and thank you to your entire staff at Pacific Home Loans! I am so happy to be on my own living in my own home! All the best!
zuser20140406234030767, 8/11/2014
I’ve worked with Steven Mangum and his staff at Pacific Home Loans on two different occasions…They help you stay on track with your paperwork and promptly answer every question. Also, they’re very cyber-security minded with multiple safe guards to keep your personal data safe. I highly recommend them without hesitation.
user92614237, 10/11/2014
Steven and his staff at Pacific Home Loans were wonderful to work with. This was me and my husband’s first home purchase on Maui, and Steven was very helpful, very knowledgeable and very patient with all the questions we had. He and his staff, especially Janelle, were always quick to respond to my emails or calls. I can’t say enough good things about Pacific Home Loans, and would definitely use them again for another home purchase or refi, and would highly recommend them.
awilson1792, 10/19/2014

It was a pleasure to work with Steven…and Irma. Very organized and professional. They made this process so easy for me. I would most definitely recommend them to anyone who may be apprehensive about dealing with the lending process. They were very thorough and always answered all of my questions.

maria8579, 6/5/2015

Steve…and Pacific Home Loans were terrific to work with. I highly recommend them. I live full time in California and the servicing of my loan online was a smooth and easy process. Mary was particularly helpful and caring, and really helped keep things going while I was on business in Asia. I came away feeling that they were as excited about my new little beach front nest as I am!

s grayson stone, 6/6/2015

Steve and his expert Staff walked me thru the very complicated task of buying my Condo on Maui. Steve and his staff kept me up to date on every single thing they were clear in communicating, helped me get all the things i needed to get to purchase my own place! I highly recommend Steve magnum and Pacific Home loans to any one that needs to purchase their home. the fast friendly and very understanding!

Kim F., 1/4/2016

I recently got my home refinanced through pacific home loans. They made the process very easy and stress free, and did a great job keeping me informed of what was happening, and what I needed to do. I highly recommend pacific home loans!


Steven and his staff were wonderful to work with a did a great job in getting me a loan at a good rate with great professionalism. They were prompt and helpful each step of the way. I enjoyed working with them and highly recommend them.

mauiem, 1/10/2016
Steve Mangum and his team at Pacific Home Loans are literally the best mortgage guys I have ever worked with and I have worked with many. We had challenging hurdles and another mortgage company had told us that we would need to wait for 2 more years of tax returns before ANY bank would consider funding our loan. We really did not want to wait and we found our “dream home” that would obviously not be around in 2 years either. Doing some research, making phone calls and emails to a few people that advertised the they get “tough loans” done and we kept hitting brick walls but we did feel like we were getting closer. Finally I found Steve Mangum and during the first phone call with me explaining our whole situation and Steve listening carefully, he knew right away with some work that we could get this loan funded in 45 days or less. I was honestly a bit hesitant and not so positive even though Steve continued to assure me. The process with Steve and his team at Pacific Home Loans was by far the easiest home loan process I have ever experienced. A full knowledgeable and very helpful staff that was always available to me and our RE Agent and Escrow made this experience a happy one. Needless to say, Steve and his team got our loan funded and we closed right on our planned closing date without a hitch. I was also pleased by the follow up by not only Steve but the other team members at Pacific Home Loans after their job was done. I can not recommend them any higher, they are the best and we will continue to do business with them in the future.
chrisv, 1/29/2016
This was our first purchase of property in the U.S. Being Canadians, this added another dynamic to the process. Steven and his staff (specifically Janelle) helped us immensely. The personal approach they used was exactly what we needed to assuage our trepidation in this adventure.We would highly recommend Steven if you are considering buying property on Maui and require funding. Steven’s extensive experience and knowledge of the banking industry was invaluable. We are now happy home owners on the beautiful island of Maui. Mahalo Steven…..
joannearntsen, 2/29/2016
I highly recommend Steven and Pacific Home Loans! They helped me with my refi and did a great job. It’s difficult to maneuver and understand the refi process but they made it so easy! Their rates are great, they are fair, honest and stay in communication throughout the entire loan process. I spoke with many banks and loan companies before deciding to go with Steven and I’m so glad I did! I can’t say enough good things about Steven and his team.
rrose695, 8/1/2016
Steve and his staff were great. I thought Janelle did a super job making sure everything was done on time. Would definitely recommend them needing a loan.
user372010157, 1/11/2019
What a breeze! And so appropriate as I was purchasing a condo on Maui…Cool ocean breeze, lovely sunsets…but I digress. First let me say that numbers, legalese and paperwork is NOT my forte. I will admit that the original email Steven sent me looked daunting, but I really wanted to make this purchase and move to my dream location. I opted to just go into the office and meet him. He was so patient, and explained everything. And a BIG shout out to Janelle…she is awesome. Considering we did all this in a mere 5 weeks, start to finish, and that included Christmas and New Years, I would highly recommend the people at Pacific Home Loans!
Karyn W., 1/29/2019
Steve was fabulous! He helped beyond our expectations.
His staff always responded immediately to our questions and concerns and were very knowledgable about all of our concerns. Incredibly short closing period.
Joe F., 6/22/2018
The team at Pacific Home Loans are absolutely incredible to work with. They were very patient and thorough in explaining the mortgage process to us as we are first-time homebuyers and were amazingly efficient and accurate as to their proposed timeline and what would happen, when. I felt very comfortable and confident using their services and I would highly recommend them to anyone looking for a mortgage broker. Thank you so much for helping us get into our first home. We are over the moon!
Nicole D., 12/15/2017
Delighted! Steven and his team made the process for obtaining a second home loan so simple and straight forward. They finished all the documents early and ensured a very smooth closing. Thank you Steven and Janelle!
asv1111, 1/31/2019
If you look up “overcoming obstacles”, in the dictionary, you’d find Pacific Home Loans in first place. We’ve worked through some complex loans and Steven and his team have always delivered. I’m approaching $8M in total purchases/refinances with their team, each loan having unique complexities. Most loan brokers would not take the time to navigate through a process with an uncertain outcome but Pacific Home Loans has always focused on the result and finished the job with success.
Andrew R., 2/8/2019
The team at Pacific Home Loans was wonderful! My situation was challenging and they made it all happen in a timely manner. Great communication at every stage of the process, support and suggestions in getting documentation needed and the loan itself was a very good one! I’ve been in real estate for over 40 years and I can honestly say this company is the best I’ve ever worked with. I’d recommend them to anyone and would certainly work with them again.
Susan W., 3/10/2019