Steven Mangum

NMLS# 263952

Areas Serviced:

  • Hawaii, all islands

  • Northern California

  • Southern California

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 launched 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.

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.
Lisa Y, 10/20/2022
Thank you, Steven – It was a pleasure working with you all. Great rate. Awesome deal no one else was able to match. Very much appreciated.
Gary M., 3/3/2021
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!
Nicci H., 1/3/2021
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!
Julie G., 10/22/2020
This is my second time using Pacific Home Loans. Steven’s expertise guided me along both journeys with ease. The team was tremendously easy to work with and always available. Right now I even have the bragging rights around the water cooler at work for the lowest rate. My next deal will absolutely be done with Pacific Home Loans.
Joe P., 10/16/2020
Excellent service and follow up. Would highly recommend for any mortgage lending needs. Steven team handled our loan application and were able to handle a very complicated application as I own several businesses and rental properties. Great follow up and creative thought process on accomplishing meeting stringent underwriting requirements. Will definitely recommend to friends and family. LisaKathy was also wonderful to work with and very knowledgeable.
Grant H., 10/17/2020
I just finished up a loan with Steven from Pacific Home Loans. He has some great people working for him. I’m a business owner that always make it harder to get the loans closed on a timely fashion. No problem for his team. Loved working with them and would highly recommend them.
Rob D., 10/16/2020
Professional and efficient team. Pacific homes loans was recommended to me by a really good friend who has worked with Steven for awhile. Steven and his team are such positive people, efficient and just overall easy to work with. Although we’ve been affected by a pandemic, we were able to get a great rate. They’ve made our first time home buying experience such a good one. I highly recommend Pacific home loans. They definitely will not disappoint.
Kristy-Ann L., 10/15/2020
Beyond Our Expectations – Before reaching out to Pacific Home Loans I had gotten quotes from 3 other companies about what I could expect for a home refinance rate. I almost went with the lowest one before I heard about Steven with PHL. I was skeptical that Steven could beat the rate and service I’d been offered from another company, but when it comes to such a move as a refinance you can’t be too thorough in your options. I was so pleasantly surprised Steven was able to offer me a lower rate and I believe it’s due to the way his company does the utmost thorough job of taking everything into consideration to get the best possible outcome. My family’s future is changed forever for the better because of the team at Pacific Home Loan, truly they helped us save a fortune!
Jenna W., 10/7/2020
I had a great experience working with such a professional and knowledgeable team at PHL. We completed refinancing my home mortgage in early September. Great rates, seamless process, and great results. Thank you Steve and your team.
Sassan Y., 9/12/2020
Steven and his team were wonderful folks with whom to work. They kept me informed and listened and responded immediately to any questions I had. I received an amazing interest rate and am grateful to this professional and incredibly kind and cordial group of people. I recommend them without reserve!
Gretchen D., 9/1/2020
Steven and his team are absolutely wonderful to work with. Irma is amazing!! Steven and his team are professional, very knowledgeable and patient. Steven helped us get a great rate, helped us navigate through all the paperwork and responded quickly to all of our questions. I would recommend Steven to all of my family and friends.
Theresa A., 8/29/2020
Steven is a pleasure to work with. He was able to get me a great rate and his team executed flawlessly. We did our original home purchase with Steven in 2012 as well. I also give him a lot of credit for closing quickly during the refinance boom right now. He made the process as simple as possible and there were no issues that he didn’t resolve. All the estimates and number were accurate and I doubt you’ll find a better lender to help you with a purchase or refinance.
Casey M., 8/15/2020
It was a great experience working with Steven and his associates. They were able to get my Re-Fi processed smoothly even though I am self employed and we are having COVID crisis right now!! Many Thanks!
Candice J., 8/11/2020

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.

Chris M., 8/10/2020

We just completed our refi, it was an easy and contact-free transaction. The team was great, and there were no surprises – we got a very low rate and we are very happy with the service.

Mary Linda W., 8/10/2020
Excellent Lender for all Finance Needs!! Repeat Client!! I have worked with Steven and his team for the last 10 years, both as a Realtor and for my numerous own personal loans. I have worked with Steven and his team for my own numerous purchases and refinances over the years. Pacific Home Loans is my go to lender as I know the process will be seamless and I will get the best rates available to me. I highly recommend PHL and Steven and his team to anyone needed real estate financing of any kind.
Sylvia Burton, 8/1/2020
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.
Robyn Curletti, 7/27/2020
We started our refi right at the beginning of the pandemic–with different people at pacific home loans working from home and on cell phones and PCs we were still able to close in a reasonable amount of time. They were extremely professional start to finish. Thankyou Steven and your team!!!
Terry L., 7/23/2020

A great experience with Steven and his team. Pacific Home Loans with Steven Mangum and his team were such a pleasure to work with. They worked hard and fast even with Covid 19 to get us a great rate and refi loan. We felt connected with the whole team and assisted throughout the entire process. We would highly recommend PHL and Steven and his team. Thanks.

wileecoy23, 7/22/2020
The Pacific Home Loans team worked with us to refinance our home loan. We can’t say enough good things about them! They were very responsive and followed up quickly. They also helped us lock in a very low rate. In addition, they worked with us throughout the peak of the Coronavirus and made everything very easy and seamless – all online. Everyone was very professional, knowledgeable, and highly qualified. We would highly recommend them to anyone looking to get a loan or refinance!
Lauren B., 7/5/2020
Excellent work on our refinance – Steven and his team worked closely with us to lock in a great rate and close our loan in what seemed like record time. The process was smooth and we are really happy with the result.
Kyle B., 7/3/2020
Steven and his team guided us through the process with great precision. They made the process painless and we closed earlier than expected! It was a pleasure working with Steven and his team. Thanks again Steven for making our family dream of home ownership on Kaua’i come true!
Errol A., 6/30/2020
A very positive loan experience. I greatly appreciate all your hard work and long hours on my behalf. All things considered, this was a pretty painless process for me because of your professionalism, efficiency, kindness and generous spirit. While I don’t see the back story, I know all the many details that go into bringing this process to completion. For me, you couldn’t have done a better job. So thank you for your commitment to your job and to clients like me and to your ability to work together, on my behalf.
David K., 6/23/2020
It was a pleasure to work with Steven and his team at Pacific Home Loans. We recently refinanced our home and the process was very smooth, efficient, and professional. This is the second time we have worked with the team at PHL. We put our trust in Steven and he always has our best interests in mind. I will not hesitate to work with him again in the future and would recommend him to anyone I know in need of financing.
Michael W., 6/8/2020
Excellent Service and Great Pricing
I recently refinanced my home with the help of Steven Mangum. I had been working with another lender and just wasn’t happy with the lack of transparency on rate pricing and closing costs. Steven provided me a quote within a day and it was a lower rate and one-third the closing costs. He kept is word on his initial quote and closed the loan within 45 days, all during the COVID 19 lock-down. He has a stellar team of professionals underwriting and processing his loans. Can’t say enough about how positive the experience was. Thanks Steven and crew!
4charlie7, 6/3/2020
Excellent service and best rates @Pacific Home Loans It`s my 4th loan with Steven Mangum and his team. I cant express how thankful I am for all their hard work and professionalism. Beside having the best rates, they always make the process way easier and provided the proper guidance through each step. They are always there to answer any questions. I`m more than happy to recommend Pacific Home Loans to all my clients and friends. Looking forward working again in the nearby future. Hands down, the best service and rates!
Juan R., 5/21/2020
The team at Pacific home loans was great to work with once again they make it easy. They walk you through each step and keep you informed on what’s going on. There were no surprises got the rate And the cost of the loan I was quoted. They were always ready and willing to clarify any issues. I would definitely recommend Steven and his staff.
user372010157, 5/20/2020
I purchased my home with Steven 2 years ago and just finished refinancing with him at an excellent rate. Steven, LisaKathy and Kathy were all on top of their game and gave me the best experience ever. I highly recommend this team to everyone.
John M., 5/18/2020
The team at Pacific Home Loans worked very diligently to secure our loan and to take us all the way to a successful closing. Steven Mangum, who leads the team at Pacific Home Loans, is very personable and is consistently on top of the whole process. This group found us the lowest rates when compared to the offerings of others. They were always ready and willing to clarify any issue. They were quick to answer any question. They were always polite and patient. We would give Steven and his whole team the highest praise possible. If you go with them, you will be glad you did!
Randall M., 5/1/2020
Steve and the gang, once again, do a great job on a mortgage loan for us. Especially in these times we are all going thru. We have referred good friends and this is our 2nd loan with Steve Mangum Pacific Home Loans. Thanks very much.
Loren P., 5/1/2020
Steven and all his office staff were super! I hadn’t applied for a mortgage loan in over 20 years and he was very patient in explaining the whole process as I had forgotten much of it! Easy and pleasant experience – would definitely recommend!
Julia W., 4/30/2020
Hey Steven, Thank you very much for such great service and accomplishing a 2.875% loan / 30 years fixed, for us. We are over the moon, especially during this time of uncertainty. You have been such a great lender for myself and my friends and clients over the years. I really am stoked to have the opportunity to work with you and your excellent staff. I am super stoked to recommend Pacific Home Loans.
Martin L., 4/29/2020
Best Rates! I have borrowed money on several occasions from Pacific Home Loans and specifically Steven Mangum. I have referred him 100’s of new clients, realtors and professional folks needing money. He has never disappointed and in fact comes up with the best rates in the current market. Today, I closed a new home loan with him at 2.875%, no points! He says it was the lowest rate he had ever closed. Just call Steven and let him go to work for you!!
Fred H., 4/27/2020
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. Lisa, Kathy and Cindy always responded right away with any questions. I would recommend Steven and his staff to anyone looking to buy real estate or refinance. They will not let you down.
Donnie M., 4/23/2020
I have closed with Steven 3 times and each time I got the best rate out there and his team is very informative, responsive, and flexible and have is extremely professional. Would not go with anybody else.
hawaiikungen1, 4/24/2020
PHL is an excellent loan originator if you are looking to buy properties in Hawaii. The team is very professional and responsive.
Lorenzo B., 2/24/2020
Easy and Informed
Steven’s team is the epitome of professional. They are so knowledgeable, always available to answer questions and extremely thorough. We have now used them for two different properties and could not be happier with the service. Janelle was especially helpful as she walked us through each step of the process. I wish I could give more than five stars!
Tracy P., 2/19/2020
Couldn’t be happier!
Buying our first property on Kauai was made easy by Steven Mangum and his team. Steven and Janelle guided us through the process and provided top notch customer service, an excellent interest rate, and kept us informed about the process the entire time. I’ve been buying homes and getting home loans for nearly 25 years and I can say that Steven is among the very best in the industry, and he happens to be in my (new) back yard, which I couldn’t be happier for! You would be remiss if you didn’t consider using Steven Mangum for your next home loan on Hawaii!
frencjas, 12/31/2019
These folks are incredible! Definitely the best on the island and have made me a personal believer that they are the best in the world!!
Gabe M., 12/16/2019
Incredibly Dedicated Team: wiliing to work weekends to close my loan!!
The Hawaii real-estate market is very fast paced and competitive. There were five offers in on the home I wanted within 8 hours of it appearing in the MLS. Steven had my qualification letter done in minutes once I indicated I too wanted to put an offer in. Without his quick response I would have missed the opportunity to buy a great home!
Steven took extra time to educate me on Jumbo loans, helped me with questions as to interest rates, and returned call and messages promptly.
His team are exceptionally helpful and took care of all the details essential to closing. We closed faster than expected and I would definitely recommend this dedicated and hardworking team.
Lani C., 12/12/2019
Pacific Home Loans came through for me in a very big way on my recent purchase in Hawaii. They are smart, creative, communicative, and relentless in working with their clients. On top of all this, Steve & Janelle have access to mortgage products that no one else on the island could touch. Period. I would HIGHLY recommend Pacific Home Loans and I will be using them again on my next purchase in Maui. MAHALO!
Dan S., 12/6/2019
Awesome group of people!
Wow what a great experience we had with Steven and his team! Not only did we get the condo we wanted financed, we got it at a rate much lower than expected and we closed a week early. Doesn’t get any better than that!!! Everyone was extremely friendly and easy to work with. The service his team provided was superior to any in the area.
Libby G., 11/22/2019
Best lending experience we’ve ever had
Wife and I made our dream come true and purchased a condo in Maui. We initially reached out to two different lenders and their interest-rates were okay but then our Realtor referred us to Steven at Pacific Home Loans, and boy are we grateful that he did. The program that Steven and his team set us up with was amazing and got us the best rate of anyone we talked with. We worked primarily with Steven and Janelle and both were efficient and professional throughout the whole process. It’s a time consuming process and the paperwork is overwhelming sometimes but they were both extremely helpful with getting us through it all. We would not hesitate to recommend anyone to work with the Pacific Home Loans team. Honestly, we would give 10-stars if we could.
B. Ritter, 11/21/2019
Amazing !! Thank you so much to Steve and Janelle for helping us purchase our HOME – they walked us through each step and helped us on our journey. Thank you so much.
Carol H., 11/7/2019
My wife and I were referred to Pacific Home Loans by our realtor. He suggested that a local company would be a better choice to handle the lending needs on Maui, and that was certainly the case in our home purchase. In fact, Steven said our loan was one of the most difficult he had ever encountered. I can’t imagine anyone else being able to accomplish what Steven and Janelle were able to do. Their professionalism, excellent communication, relationships within the industry, and determination to get it done were the keys to making for a successful loan process. We highly recommend the Pacific Home Loans team! Thank you Steven and Janelle, we are very happy in our new home!
dwpardee, 9/23/2019
Steven and Janelle – Thank you very much for all your hard work and perseverance in making our refinance happen! You guys are truly the best! Thank you for your patience and professionalism, you are true superheroes and miracle workers. We truly appreciate everything you have done for us! MAHALO NUI LOA.
Craig H., 9/17/2019

When dealing with Steven Magnum and his team you have reassurance in their ability to serve you. You feel the confidence and caring nature every step, thru the lending process. Steven and his team of professionals are on the ball everyday. We had the pleasure of working with Janelle for the final steps and she was quick, sharp and had the highest quality of professional skills to make sure we closed our loan. Not only did Janelle and Steven close our loan on our dream Maui home, they did it in a timely fashion! The best of the best work at Pacific Home Loans. This is where to go to make your dream home a reality!

theboatcaster, 9/12/2019
I really wouldn’t look any further if you’re looking to start the process of applying for a mortgage to finance your home. Steve and Janelle will undoubtedly go above and beyond to make sure they walk you through the process and find the right mortgage program for you. Trustworthy, responsive and informative throughout the entire process. Would never hesitate to go back to Pacific Home Loans in Kihei for my mortgage needs in the future.
Keone N., 8/28/2019
I own and operate a Kauai real estate company. I first met Janelle and Steven when they assisted the buyers with financing for one of my personal investment property listings. I was so impressed with the level of service they provided throughout the transaction that I called them after we closed escrow to inquire about a possible refinance for myself. I was pleasantly surprised at how low their rates were compared to other lenders in Hawaii. I just closed on my refi and they did not disappoint. They delivered the low rate they promised and closed on time. I highly recommend Janelle and Steven for all of your home loans and refinances!
Debbie H., 8/29/2019
Steven and his team, most notably Janelle, have assisted us with 3 loans to date. I have found them to be professional and knowledgeable about all aspects of the lending process. My loans closed on time and I was kept up-to-date on where we were in the process and what still needed to happen. I have personally used their lending services 3 times and would not hesitate to recommend them to anyone needing lending services.
Rebecca S., 8/28/2019

Steve and his team communicated well and were very knowledgeable. They definitely went above and beyond with their service. They answered all of my questions and followed through on everything they said they would in a timely manner. I would not hesitate to recommend them at all.

kc112479 mattos, 8/28/2019
Steven and Janelle were awesome to work with. They were on top of it. Answered all my questions quickly and took the time to explain everything as I had no idea how this buying a house process worked. Highly recommend them. Steven was able to get us a much lower rate then the other bank we were dealing with and did it without adding a bunch of points like the other lender was trying to do. He actually blew the other bank out the water. I would 100% go through these guys again!
Lacey B., 8/21/2019
Excellent Service and Rates
Steven and team were extremely helpful and informative throughout the process. Being first time home buyers the extra detail he provided and responsiveness to our questions was invaluable. On top of that he was able to beat every other rate we could find by a lot. Will highly recommend Steven and team in the future, and we’ll be back for our next purchase.
Jon M., 8/21/2019
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
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

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