Pacific Home Loans proudly serves as your premier mortgage banker and broker in California. We offer an extensive array of home loan programs tailored to meet your specific financial needs.
Whether you’re in the process of purchasing or refinancing a home in California, Pacific Home Loans is committed to providing top-tier mortgage planning services. Our goal is to empower you to make well-informed decisions regarding one of life’s significant investments.
Functioning as both a mortgage banker and broker,Pacific Home Loans has the capability to internally fund your loan, ensuring competitive rates and expedited closings. Moreover, we take pride in offering a variety of portfolio loans, including options for condo-tel, land, construction to permanent, self-employed Alt Doc, and more. This ensures that all your residential home loan needs in California are met with expertise and care.
Our loan services extend across the entire state of California, covering areas such as Los Angeles, San Francisco, San Diego, and beyond. Trust Pacific Home Loans to guide you through the mortgage process with professionalism and dedication.
Why choose us?
Get prequalified in minutes with our online loan application, upload documents securely and in minutes, E-sign mortgage disclosures, and save days of work for yourself and our loan officers.
Apply Online to get started on the loan process right away. If you have any questions, please feel free to call toll free 1-866-389-2778.
Pacific Home Loans is now licensed to offer home loans in Arizona, California, Colorado, Hawaii, Nevada, Oregon, Texas and Washington state.
Customer Reviews
CLICK HERE for our Zillow reviews.
CLICK HERE for our Google reviews.
CLICK HERE for our Yelp reviews.
Ginni, I just wanted to thank you for all the help you provided to get my refinancing done. I was very pleased with your knowledge of the unique aspects of the Maui property and mortgage market. And also, throughout the process, you understood my goals and achieved them, with a competitive package and excellent, personalized customer service. It was great working with you.
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.
Ginni was AMAZING!!! We couldn’t be more happy with our home buying experience! She went above and beyond!!! Best mortgage lender experience we’ve ever had!!! Thank you! Thank you! Thank you!
Ginni Madsen and her team were instrumental in helping me obtain financing for our family home. We had gone through a short sale and needed to find a lender who would work with us. Ginni was able to find a lender She was available by phone at almost all times we called and was patient enough to help us through everything! I would recommend Ginni to anyone!!
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!
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!
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.
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.
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.
