— ABOUT CALIFORNIA HOME LOANS
California Mortgage &
Home Loan Solutions
Pacific Home Loans provides mortgage financing throughout California, with dedicated expertise across the state’s coastal luxury markets, resort and destination communities, and complex property types that frequently require specialized underwriting. We offer a full suite of financing programs – from traditional agency loans to jumbo, portfolio, PrimeResort™, and Non-QM solutions – structured to match California’s exceptional diversity of real estate markets and borrower profiles.
California is home to some of the highest-value and most complex real estate in the country. Oceanfront estates in Malibu and Newport Coast, resort condominiums in Palm Springs and Lake Tahoe, hillside retreats in the Santa Ynez Valley, and coastal luxury communities from La Jolla to Carmel, each presents distinct financing considerations – elevated loan amounts, non-warrantable condominium structures, resort zoning classifications, second home and vacation property designations, and borrower profiles that frequently extend beyond standard agency guidelines.
Conforming loan limits vary significantly across California’s counties. In Los Angeles and Orange Counties, the 2026 limit is $1,149,825 for a single-family property. San Diego County’s limit is $1,006,250. Most other California counties default to the baseline $832,750 – a figure routinely exceeded in the state’s premier coastal, mountain, and desert resort markets, all of which regularly require jumbo or portfolio financing.
— CALIFORNIA’S KEY REAL ESTATE MARKETS
California’s Key
Real Estate Markets
Pacific Home Loans serves buyers, investors, and property owners across California’s most distinctive real estate markets – from the Southern California coastal corridor to the state’s premier resort and lifestyle destinations.
— FINANCING CONSIDERATIONS FOR CALIFORNIA PROPERTIES
Financing Considerations
for Coastal Properties
Across California’s coastal, resort, and luxury markets, transactions frequently involve financing considerations that extend beyond standard agency guidelines:
Jumbo and high-balance loan requirements are common across Southern California’s coastal communities and in the state’s premier resort markets, where median prices routinely exceed county conforming limits. Non-warrantable condominium and condotel structures appear regularly in resort-branded developments, high-rise urban projects, and coastal communities where investor ownership concentration, short-term rental activity, or mixed-use classifications affect project eligibility. Second home and investment property designations require careful qualification structuring, particularly where rental income, occupancy classifications, or fractional ownership arrangements affect loan program eligibility. Complex borrower profiles – including self-employed professionals, entertainment industry earners, technology executives, and international buyers – frequently benefit from bank statement, asset-based, 1099, and portfolio loan programs.
— FOR RESORT & NON-WARRANTABLE PROJECTS
PrimeResort™
Some condominiums – particularly resort-designated or non-warrantable projects – require specialized underwriting that conventional lenders cannot provide.
Investor Qualification
Learn more about qualifying for a home loan utilizing investor and cash-flow-based qualification.
Portfolio Loans
Learn more about our portfolio loan options and flexible financing solutions.
— PROGRAM OPTIONS
Full Service California
Mortgage Financing
Pacific Home Loans offers a comprehensive range of loan programs supporting California’s diverse property landscape, from traditional agency financing to specialized portfolio and alternative documentation solutions.
Conventional
Standard financing for primary residences, second homes, and investment properties structured to meet Fannie Mae and Freddie Mac guidelines – serving buyers across California’s diverse housing markets.
FHA Loans
Low down payment financing for eligible primary residence purchases and refinances, offering flexible qualification standards for buyers entering California’s competitive real estate market.
VA Loans
Zero down payment financing for eligible veterans, active-duty service members, and surviving spouses – built for the large military communities across San Diego, the Inland Empire, and beyond.
Jumbo Loans
Financing for California’s elevated property values, from coastal luxury estates and hillside retreats to high-rise condominiums in the state’s most sought-after markets.
Non-QM / Alt-Doc
Alternative documentation programs tailored for California’s large population of self-employed professionals, entrepreneurs, investors, and borrowers with non-traditional income structures.
Portfolio Loans
Loans for high-value transactions, complex financial profiles, and scenarios that fall outside conventional guidelines in California’s premium markets.
— WHY PACIFIC HOME LOANS
Pacific Home Loans
California Mortgages
Pacific Home Loans understands that California financing is not one-size-fits-all. Whether the property is a coastal luxury estate, a resort condominium, a non-warrantable project, a Palm Springs vacation home, or a high-balance primary residence, our team structures the right solution for the property, the borrower, and the market.
Call today to get started!
Coastal & Luxury Market Expertise
Experienced financing oceanfront estates, guard-gated communities, and high-value transactions across Southern California’s most competitive markets.
PrimeResort™ Specialists
Dedicated resort and non-warrantable condominium financing for California’s resort-branded developments, condotels, and complex project structures.
Non-QM & Complex Income Depth
Bank statement, asset-based, 1099, DSCR, and portfolio programs for California’s high concentration of self-employed borrowers, entertainment industry earners, and investors.
VA Lending Experience
Full VA purchase, renovation, and streamline refinance programs for active-duty, veteran, and surviving spouse borrowers across California’s major military communities.
In-House Portfolio Capital
In-house underwriting and portfolio capital for non-standard scenarios, complex income structures, and transactions requiring flexibility beyond agency guidelines.
Licensed Across 10 States
Hawaii-headquartered with multi-state licensing, serving borrowers wherever their investment journey takes them.
— COMMON QUESTIONS
California Mortgage
FAQ
Have a question not answered here? Our team is available to walk through your specific scenario.
— CLIENT TESTIMONIALS
What Our Clients
Are Saying
Posted on Google 
Sarkaw A
9 days ago
Trustindex verifies that the original source of the review is Google. Toward the end of a family trip to Oahu, we discovered a home that our family immediately fell in love with. Our real estate agent connected us with Steven Mangum, who was incredibly helpful in getting the financing process underway. Once we were under contract, Hailey Baclig and Felicia Domingo guided us through every step as we worked toward a 45-day closing. The entire team was knowledgeable, responsive, flexible, and professional, while always treating us with kindness and courtesy. We had an excellent experience and would highly recommend Steven, Hailey, Felicia, and their team to anyone considering purchasing a home in Hawaii.
Posted on Google
Nicole C
37 days ago
Trustindex verifies that the original source of the review is Google. We recently worked with Ryan and the Pacific Home Loans team to close on our new home. I highly recommend them for your next home purchase! They were extremely professional, knowledgeable, timely and answered all of my question thoroughly throughout the process. They were able to help us close in just 30 days. It was a seamless process from start to finish!
Posted on Google
Pat R
43 days ago
Trustindex verifies that the original source of the review is Google. Ginni and her team did an exceptional job on my refi. Getting the info out, coordinating documents, signing papers--she is the best! All in a timely fashion............
Posted on Google
Troy W
43 days ago
Trustindex verifies that the original source of the review is Google. Ryan Hertz really took care of us through our first investment property. Great communication and follow through. Approachable and willing to answer questions. Ryan and his team were responsive to our needs and found the perfect loan products to make our dream of owning a West Maui condo a reality. Would definitely do buisness with Ryan and his team again.
Posted on Google
Jade N
52 days ago
Trustindex verifies that the original source of the review is Google. Posted on Google
Kaleolani Y
52 days ago
Trustindex verifies that the original source of the review is Google. Posted on Google
Ben M
64 days ago
Trustindex verifies that the original source of the review is Google. Ryan Hertz and the Pacific Home Loan team were excellent to work with . My Cashout Refinance was Quick & Streamlined. I did not know this product existed until I spoke with Ryan .I had been turned downed by other companies with different options .Ryan got me closed in 3 short weeks and was extremely professional and easy to work with. I would highly recommend Ryan and his team
Posted on Google
Antonio E
68 days ago
Trustindex verifies that the original source of the review is Google. Ryan did a great job. He is highly experienced and a great communicator.
Posted on Google
Bradley B
76 days ago
Trustindex verifies that the original source of the review is Google. I had an excellent experience working with Pacific Home Loans and Ryan Hertz as my loan officer. Ryan was professional, responsive, and easy to work with throughout the entire process. He communicated clearly, answered questions quickly, and helped keep everything moving smoothly from start to finish. Buying a property can be stressful, but Ryan made the loan process simple and straightforward. I appreciated his attention to detail, follow-through, and willingness to explain each step along the way. I would highly recommend Ryan Hertz and Pacific Home Loans to anyone looking for a reliable and knowledgeable lending team.
Posted on Google
Katheryn E
100 days ago
Trustindex verifies that the original source of the review is Google. I truly cannot say enough good things about the team at PHL, especially Anthony Young. What should have been a fairly standard home purchase turned into one of the most stressful and complicated 3-month processes imaginable, with endless delays on the other side, moving deadlines, outside issues completely beyond our control, and moments where I genuinely thought the deal would fall apart entirely for my dream home. Through every single obstacle, this team fought for me nonstop. There were countless moving parts, constant curveballs and moments that required incredible patience, creativity, persistence, and communication. While I was emotionally exhausted and losing hope, Anthony continued pushing forward to get us to the finish line. Not only are they knowledgeable and professional, but they are also genuinely kind people who understand how personal and emotional buying a home really is. I never felt abandoned during this process, even when things (and me) became incredibly difficult. I honestly believe I would not have closed on my home without them. If you want a lending team that will advocate for you, communicate with you, problem-solve under pressure, and continue fighting even when things get messy, I cannot recommend them enough. Beyond grateful for everything they did for me!
Posted on Google
Grant K
138 days ago
Trustindex verifies that the original source of the review is Google. Steve, Hailey, Kira and Felicia really were an all star team. I contacted them when my original lender dropped the ball late in the game. They had me approved within a day and closed the loan in 3 weeks. They communicated with me daily, giving me status updates and really got the job done. Without their help, the home purchase wouldn’t have happened!
Posted on Google
Garrett R
141 days ago
Trustindex verifies that the original source of the review is Google. Anthony at Pacific Home Loans was amazing to work with. We spent 6 months going back and forth with other lenders trying to get a cash-out refinance done so we could build our dream home, and just kept running into issues. Our property wasn't the easiest to lend on, and most lenders either couldn’t figure it out or didn’t want to deal with it. Anthony actually took the time to understand our property and our situation and stuck with us through the process. What stood out most was how persistent he was. He didn’t give up when things got complicated, and he was great about keeping us updated along the way. Anthony & Pacific Home Loans got us exactly what we needed when no one else could. If your situation is even a little complicated this is the place to go.
Posted on Google
Debye W
155 days ago
Trustindex verifies that the original source of the review is Google. I just closed my third loan with Pacific Home Loans, and there are a million reasons why I give them my repeat business. They are wonderful to work with and do their best to take the pain out of a painful process. This last loan was full of unusual and unique issues, but Hailey and Steven were there to talk me off of the ledge and we made it across the finish line. I highly recommend Pacific Home Loans.
Posted on Google
Jason H
157 days ago
Trustindex verifies that the original source of the review is Google. We worked with Hailey as our mortgage broker for our home purchase in Kauai, and she was excellent throughout the entire process. She and her team really went above and beyond. She researched a ton of options for us, walked us through each one thoroughly, and gave clear, practical advice without ever being pushy. We always felt like we understood what we were choosing and why. She was available pretty much all the time and stayed closely coordinated with everyone involved to keep things moving. This was a complicated deal with a lot of moving parts, and she somehow made it feel simple on our end. She also got us a great rate, which obviously matters, but what stood out more was the amount of effort and care she put into making sure everything came together smoothly. Overall, just a really solid experience. I’d absolutely recommend Hailey and her team.
Posted on Google
Peter W
168 days ago
Trustindex verifies that the original source of the review is Google. I stumbled upon Ryan, Steven and Pacific Home Loans after looking for a broker licensed in the states I'm invested in. It's a small list, but based on past reviews, I engaged with these fine gentlemen and experienced a service attitude, remaining flexible to my slightly challenging needs, and never saying no. They found me a loan that would serve me well and helped shepherd me through the underwriting process and completed it several weeks ahead of scheduled closing!!! They are very communicative, even off regular business hours and I look forward to working with them again on future transactions.
Posted on Google
Tom F
191 days ago
Trustindex verifies that the original source of the review is Google. Ryan Hertz with Pacific Home Loans made the refinancing process smooth and stress-free. The team was professional, responsive, and patient in answering all of my questions. They offered competitive rates, explained every step clearly, and kept me updated from start to finish. I would happily recommend Ryan and his team at Pacific Home Loans to anyone looking for a reliable and trustworthy mortgage lender. Thank you!
Posted on Google
Leah F
201 days ago
Trustindex verifies that the original source of the review is Google. Hailey and Team with Pacific Home Loans were great to work with! Her and her Team were very professional, organized and available as I had questions. She kept a close eye on interest rates throughout the process and helped guide me as to a recommended time to lock in a rate. I highly recommend Hailey, thank you!
Posted on Google
Sean W
212 days ago
Trustindex verifies that the original source of the review is Google. Steven, Anthony and the entire PHL team are knowledgeable and professional. They made the entire experience from start to finish transparent and seamless. For the most important purchase of your life, you can't afford to go anywhere else.
Posted on Google
Kevin F
238 days ago
Trustindex verifies that the original source of the review is Google. Anthony Y. was our primary point of contact at Pacific, when we were seeking funding/loan options for a house in Hawaii. Anthony did an excellent job being our "loan advocate" throughout the process, and found creative funding options that led to reduced costs for us on the loan. He and his team are professionals, and were a pleasure to work with.
Posted on Google
Susan F
241 days ago
Trustindex verifies that the original source of the review is Google. I had a great experience working with Ryan from Pacific Home Loans. He was attentive, easy to work with, and helped me secure a great rate. When the initial loan option fell through, he went above and beyond to find an even better solution. I couldn’t be happier and would absolutely recommend him.
Posted on Google
Natasha H
281 days ago
Trustindex verifies that the original source of the review is Google. Steven and his team were an absolute pleasure to work with! As a first time home buyer, there were so many uncertainties and questions we had and his team were able to help answer all of questions and guide us through the process. Steven and his team made the impossible, possible! There were so many obstacles that popped up along the way and his team continued to work through it. We are truly grateful that we were able to get this deal done and starting our new journey as homeowners! Thank you!!
Posted on Google
Colleen M
302 days ago
Trustindex verifies that the original source of the review is Google. Just wrapped up a refinance with Keith Holland. Keith was clear, accessable, quick to respond and very patient walking me through the details of the loan line by line. My husband and I had a great experience with Keith and Pacific Home Loans. Mahalo Keith!
Posted on Google
Matt P
317 days ago
Trustindex verifies that the original source of the review is Google. Great experience working with Ryan Hertz! He was always available and helpful during the stressful process. Would recommend to family and friends!
Posted on Google
David H
353 days ago
Trustindex verifies that the original source of the review is Google. Ryan at Pacific Home Loans made the entire process incredibly smooth from start to finish for us. Ryan is very responsive, and was very efficient at getting the loan approved and closed before the close date. Highly recommend!
Posted on Google
Daniel M
380 days ago
Trustindex verifies that the original source of the review is Google. Keith Holland and the Pacific Home Loans team are magnificent!!! We had a great user friendly experience. Keith is highly knowledgeable, professional, courteous, extremely helpful and very responsive. It was a pleasure to go through the process with him and his colleagues.
Posted on Google
Steve L
398 days ago
Trustindex verifies that the original source of the review is Google. I always enjoy working with Kendra and Pacific Home Loans. She was able to help a transaction work out smoothly, in a complex that has difficulty with lending, due to the changes within the HOA. I would highly-recommend Kendra's work ethic, professionalism, and communication skills to any of my real estate clients. Thanks again for the seamless loan process and I look forward to working with you again real soon!
Posted on Google
Jimmy M
401 days ago
Trustindex verifies that the original source of the review is Google. My wife and I were trying to get a loan on our own and were turned down a couple of times for various reasons. We were exhausted at how difficult it was, things have changed and lenders want your soul. We were feeling so defeated until we found what we call our miracle worker, Kendra Visscher. Her first attempt failed and we started thinking we’d never get the loan and our dreams were not going to come true, but Kendra said, “don’t give up on me” and she didn’t give up on us either. A few weeks ago we were depressed and today the money is in our account and we’re going to make that dream come true and we owe it all to her. She found the way that others hadn’t and got us a great interest rate, with a lower monthly payment which was a bonus, and she advised as to wait a few days as she felt the rate was trending downward and she was right. I would recommend her to anybody who wants a loan. Her attitude and sincere personality lifted our spirits and gave us hope. I’m 78 and have had a lot of experience over the years with going for loans and she made this the best one of them all. I hope her boss knows what a nugget of pure gold she is. Thank you again Pacific Home Loans and the best person on the isles to help you Kendra. Jimmy and Feng Muschietti.
Posted on Google
Don M
416 days ago
Trustindex verifies that the original source of the review is Google. Hailey Baclig was a pleasure to work with. She really knows her business and can provide expert guidance through every step of the process, even when complex situations arise that threaten your loan funding or the scheduled closing date. She is proactive, responsive and one of the best lenders I have worked with in my 30 years in real estate. This was our first transaction together but I'll definitely be recommending her to my future clients, and possibly even using her for my own loans. Don McEntire Principal Broker/Owner McEntire Realty
Posted on Google
Hans V
439 days ago
Trustindex verifies that the original source of the review is Google. We had a very easy and professional transaction getting our loan approved and funded through Ryan and the team over at Pacific Home Loans I would recommend them to anyone! Hans
Posted on Google
Kyle E
442 days ago
Trustindex verifies that the original source of the review is Google. I’ve worked with Pacific Home Loans on several loans now, and every experience has been smooth, professional, and incredibly efficient. Keith Holland in particular has been absolutely invaluable throughout the process. He’s knowledgeable, responsive, and goes above and beyond to make sure everything moves forward without a hitch. Whether it was navigating complex paperwork or staying ahead of deadlines, Keith and the whole team consistently delivered. I highly recommend them to anyone looking for reliable and expert mortgage help in Hawaii.
Posted on Google
Keith L
455 days ago
Trustindex verifies that the original source of the review is Google. Ryan and Pacific Home Loans made the entire process incredibly smooth from start to finish. They were easy to work with, responsive, and impressively fast at getting the loan approved and closed. Communication was clear at every step, and they answered all my questions quickly and thoroughly. If you’re looking for a lender who knows what they’re doing and gets it done without the stress, this is the team to go with. Highly recommend!
Posted on Google
Brent W
461 days ago
Trustindex verifies that the original source of the review is Google. I can’t say enough about how awesome Cindy was and made the process so easy. She was very professional and so friendly!!!
Posted on Google
Lauryn B
466 days ago
Trustindex verifies that the original source of the review is Google. Ryan was superb. He and Pacific Home Loans swiftly processed my loan application and we closed on time! What made this so outstanding was that they had less than 10 days to get this done for me - and they did!! No small feat since it was to purchase a condo and I am an investor - two things that require a few extra sets of eyes and elevated scrutiny, but they, and the entire team that worked on my file, excelled at the challenge. From my initial conversation with Ryan and each one throughout the process, he was knowledgeable, efficient, encouraging and provided invaluable support. As far as the definition of a Loan Officer/Loan Advisor/Loan Originator goes, Ryan's picture should be in the dictionary - no doubt about it!! He was extraordinarily responsive - be that via email, text or phone - he covered them all with grace, efficiency and professionalism (even though our time zones were 3 hours apart!). He balanced urgency & compassion in a way that is welcome during a process that is often riddled with stress, delays and redundant requests for information. Looking forward to my next purchase just so I can work with him again! He was definitely the ‘calm to the crazy’ that can be real estate transactions. 10/10 recommend.
Posted on Google
Mike M
471 days ago
Trustindex verifies that the original source of the review is Google. Ryan was a true partner throughout the loan process—communicative, proactive, and consistently ahead of the curve. He worked seamlessly with our agent and escrow team, keeping everything on track and stress-free.
Posted on Google
Janet V
479 days ago
Trustindex verifies that the original source of the review is Google. I want to take a moment to share my experience trying to refinance my two homes. It was a long and exhausting journey—filled with time, energy, and empty promises from a broker who simply couldn’t get the job done. I was left stuck, discouraged, and uncertain about how to move forward. Thankfully, I was recommended to Pacific Home Loans, and everything changed from that point on. From the beginning, they were professional, skilled, and extremely responsive. They knew exactly how to present my case to the lender—the same lender the previous broker had failed with—and they delivered everything in the correct format and structure the lender required. That made all the difference. To anyone going through a similar struggle: it’s not always about you or your case —it’s often about who’s presenting your file and how professionally it’s being handled. Pacific Home Loans gave me the clarity, respect, and guidance that I needed. Every step of the way was transparent, supportive, and honest. Any challenges we faced were solved as a team. I truly cannot thank them enough. If your gut is telling you something’s not right with your current broker—if you’ve been waiting too long or communication is poor—don’t waste any more time. Switch. Call Pacific Home Loans. They know what they’re doing, and they will get it done! Steven, Ryan, Felicia, and the entire team—thank you for your outstanding professionalism and integrity. You delivered what others couldn’t, and I’m deeply grateful.
Posted on Google
Carrie T
492 days ago
Trustindex verifies that the original source of the review is Google. Keith and team - Thank you so much for being my guide through the home purchase process. I have A LOT to learn about real estate, and being able to call and chat things out with you made me feel really comfortable. You made what could have been a stressful experience feel smoother and manageable. I sincerely appreciate it. Thanks again for everything!
Posted on Google
Greg B
493 days ago
Trustindex verifies that the original source of the review is Google. Amazing team of people that are on it! Smoothest loan transaction we've ever had. Hailey, Steve, and the entire team did such an amazing job!!! Super grateful we got to work with them.
Posted on Google
Karisa H
519 days ago
Trustindex verifies that the original source of the review is Google. Working with Hailey as the lender for our home purchase in Las Vegas was an absolute pleasure! From start to finish, she demonstrated incredible responsiveness, ensuring every question was answered promptly and every concern was addressed with care. Her dedication to her clients is truly unmatched—she went above and beyond to make the lending process smooth and as stress-free as possible. Hailey’s expertise and attention to detail made all the difference, helping us secure the best financing options quickly and efficiently. If you're looking for a lender who is professional, knowledgeable, and genuinely committed to your success, look no further than Hailey. We couldn't have asked for a better partner in this process. Highly recommend!
Posted on Google
Erik B
539 days ago
Trustindex verifies that the original source of the review is Google. Thanks Keith for getting my loan done in record time. You guys rock!
Posted on Google
Dave F
567 days ago
Trustindex verifies that the original source of the review is Google. Given the level of expertise and good, personal service, I felt compelled to let the world know that Keith Holland is an extraordinary loan officer. Solution oriented, concise yet thorough and consistently positive. There are additional descriptors yet these will tell the story!
Posted on Google
Grace W
627 days ago
Trustindex verifies that the original source of the review is Google. I need to extend my deepest gratitude for Steven and his team at Pacific Home Loans, because he was probably the only lender able to close on our house based on its condition. The process was not simple once the appraisal came back with repairs to the house needing to be done, but that was no stress for Steven. He never doubted for a second that the loan wouldn't close, and he was surely right! Not to mention, I reached out to Steven HALFWAY thru our escrow process while we were previously working with another lender. Steven said no problem - didn't turn me away even though I did things backwards. He was so kind, so honest, and direct about everything. I knew always what needed to get done in order to get to the next step. And eventually, the final step was closing. I truly cannot recommend Steven enough. I've already passed on his name to so many other local families. Mahalo mahalo mahalo Steven, I am so grateful to you!
Posted on Google
Allan H
692 days ago
Trustindex verifies that the original source of the review is Google. I am incredibly grateful to Team Steven and Cindy Fuentes for their outstanding assistance with refinancing my home in Nevada! From start to finish, they were professional, knowledgeable, and genuinely invested in making the process as smooth and stress-free as possible. They took the time to explain every step, answered all my questions, and made sure I was informed throughout! I was able to secure a fantastic rate and I couldn't be happier with the outcome. I highly recommend Pacific Home Loans to anyone looking to purchase a new property or refinance their home! Thank you Team Steven and Cindy, y'all rock!
Posted on Google
Nicci H
706 days ago
Trustindex verifies that the original source of the review is Google. I successfully recorded on my condo refinance today, yay! This was all made possible by the amazing team at Pacific Home Loans! My lender, Cindy Fuentes, was wonderful to work with, she is so sweet and friendly, and very knowledgeable in her field. She let me know what to expect each step of the way and was super quick with responding whenever I had any questions. We ran into a hiccup with the condo master insurance binder, as the master insurance policy had recently changed. Cindy and Steven Mangum worked with me to help get this resolved with the condo aoao quickly so that we can proceed with a very smooth closing. I am so grateful to Cindy, Steven and their entire Pacific Home Loans team for making this happen...and making it happen on a low interest rate, making my payments per month much lower. I highly recommend Cindy Fuentes as your go to lender, you will love working with her!!
Posted on Google
Jennifer T
762 days ago
Trustindex verifies that the original source of the review is Google. Words cannot express my profound happiness in dealing with Hailey Baclig and Pacific Home Loans. I found Hailey through a recommendation from local friends who live on Maui... From the first moment I engaged with her, and right up until after we closed, she was constantly in touch, reassuring, accommodating, informative, and knowledgeable. She jumped through hoops for me in unimaginable ways. Pacific Home Loans will be my forever preferred mortgage lender in Hawaii. As a finance professor and a mom living on the East Coast, the convenience Pacific Home Loans provided was unparalleled. I found and purchased a home in Maui without ever needing to physically visit the location. This level of service is truly a game-changer. I began my experience with PHL and Hailey expecting a normal mortgage loan process, but instead, I received exceptional service. If you want a smooth mortgage experience with amazing service, give them a call.
Posted on Google
Ehsan E
772 days ago
Trustindex verifies that the original source of the review is Google. We recently secured a mortgage for our home through Pacific HomeLoans, and the experience was exceptional from start to finish. This is our second time using their services, and both times the experience has been great. Steven and Hailey were instrumental in making this process as seamless as possible. They provided us with several mortgage options and took countless hours to walk us through the pros and cons of each, ensuring we fully understood our choices. Their dedication to our needs was evident in every interaction. They patiently answered all our questions and guided us with clarity and professionalism. Thanks to their efforts, we secured a very competitive rate that met our financial goals. We couldn't have asked for a better team to work with. If you're in the market for a mortgage, I highly recommend Pacific HomeLoans for their exceptional service and commitment to their clients. Thank you, Steven and Hailey, for making our dream home a reality!
Posted on Google
Phillips A
842 days ago
Trustindex verifies that the original source of the review is Google. I cannot say enough positive things about the process with Pacific Home Loans. The communication was concise, effective, and positive from start to finish. I would highly recommend to anyone seeking a professional process. Hailey & Steven were incredible to work with. Thank you!
Posted on Google
Kevin M
848 days ago
Trustindex verifies that the original source of the review is Google. Keith Holland and Pacific Homes loans are the BEST loan officers. They are experts in funding RE transactions. I've been a RE broker for 40 yrs and they're in the top 3% of the best!!! If you want to get approved see Keith. Thank you!!
Posted on Google
Terry B
947 days ago
Trustindex verifies that the original source of the review is Google. It was a joy working with Hailey Baclig in securing a home loan for us. Hard working Hailey spared no effort in handling challenges and working around frustrating problems that unexpectedly arose. Add to this the complications of selling our old residence and buying a new one at the same time. To expedite things, she went out of her way and even brought documents to our residence for us to sign. And then she spared no effort in researching a variety of loans, finding us a better loan than we expected. She demonstrated exceptional kindness and patience during the whole process and made sure that every detail was addressed. We can't imagine better service from anyone. We would certainly recommend her. Having bought and sold four different homes in recent years, Hailey stands out as exceptional. She will always be our first choice from now on. She was amazing! Appreciatively, Les and Terry Benedik Kihei, HI
Posted on Google
Alanna B
1409 days ago
Trustindex verifies that the original source of the review is Google. Eddie was AMAZING to work with! He came up with many options for us and was able to meet all of our needs. Since we are moving from Missouri, our loan was unique and he was able to find the best options for us in making our home purchase possible in Maui ❤️. He was very diligent and professional to work with. So happy we chose Pacific Home Loans and we are now proud Maui home owners!!
Posted on Google
Scott S
1463 days ago
Trustindex verifies that the original source of the review is Google. I recently closed on a new home using Steven Mangum and TeamSteven at Pacific Home Loans for my mortgage. I brought them a complicated home loan request, which included a last minute curve-ball and they were nothing short of spectacular! Steven and his team were professional, subject matter experts and took the time to identify the right solution for me and my family. Everyone within TeamSteven made the process easy and I wholly recommend anyone who is looking for a home loan to use Pacific Home Loans, Steven Mangum and TeamSteven!
Posted on Google
Katie E
1738 days ago
Trustindex verifies that the original source of the review is Google. Steven and his team went above and beyond to refinance my mortgage. I had a refinance in progress through another bank who was asking extremely high closing costs and I reached out to PHL for a 2nd opinion. Steven and team were certain they could not only beat the offer rate but also decrease those closing costs. You can speak with them easily on the phone and they keep you very up to date at every step along the way. I have recommended them to all my friends and will not finance another mortgage through any one else!
Posted on Google
Pinney M
1949 days ago
Trustindex verifies that the original source of the review is Google. 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
Posted on Google
Gary M
2010 days ago
Trustindex verifies that the original source of the review is Google. 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.
Posted on Google
Nicci H
2070 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Julie H
2143 days ago
Trustindex verifies that the original source of the review is Google. Steven and his team at Pacific Home Loans were terrific to work with. They worked seamlessly to close my loan on time. Steven was also able to lock me in at a lower rate than I had anticipated.
Posted on Google
Grant E
2148 days ago
Trustindex verifies that the original source of the review is Google. Great team ,responsive and offer a high level of professionalism. Would highly recommend!!
Posted on Google
Rob D
2148 days ago
Trustindex verifies that the original source of the review is Google. 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.
Posted on Google
Sassan Y
2182 days ago
Trustindex verifies that the original source of the review is Google. I had a great experience working with such a prfessinal and knowledgable 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.
Posted on Google
Theresa A
2197 days ago
Trustindex verifies that the original source of the review is Google. 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.
Posted on Google
Candice J
2214 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Mary L
2215 days ago
Trustindex verifies that the original source of the review is Google. 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.
Posted on Google
Robyn C
2230 days ago
Trustindex verifies that the original source of the review is Google. Steven & his team have helped several of our clients & 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.
Posted on Google
Lauren B
2251 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Errol A
2256 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Michael W
2278 days ago
Trustindex verifies that the original source of the review is Google. Thank you so very much for all of your help in securing our loan for our new home here on Maui. You and Suzanne 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. UPDATE: 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.
Posted on Google
Juan R
2296 days ago
Trustindex verifies that the original source of the review is Google. 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 giddiness 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!
Posted on Google
John M
2299 days ago
Trustindex verifies that the original source of the review is Google. 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.
Posted on Google
Julia W
2318 days ago
Trustindex verifies that the original source of the review is Google. Steven and all his office staff were super! Easy and pleasant experience - would definitely recommend!
Posted on Google
Kai L
2319 days ago
Trustindex verifies that the original source of the review is Google. 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. All the best, Martin Lenny
Posted on Google
Loren P
2320 days ago
Trustindex verifies that the original source of the review is Google. 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 Mangam Pacific Home Loans. Thanks very much
Posted on Google
Donnie M
2324 days ago
Trustindex verifies that the original source of the review is Google. Steven and his staff deliver everytime. Rates quoted are accurate and closings are on time. I would never go anywhere else for a mortgage or refi.
Posted on Google
Tony M
2324 days ago
Trustindex verifies that the original source of the review is Google. 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
Posted on Google
Fred H
2324 days ago
Trustindex verifies that the original source of the review is Google. Steven has been an invaluable asset to my business success having referred him hundreds of buyers, realtors and professionals to get with him for their financing. Steven overdelivers when it comes to attention to details, getting the right loan programs to fit, and follow through until the end. No matter how problematic, Steven finds solutions with his vast wealth of knowledge and experience. He will not disappoint!
Posted on Google
Tracy “
2389 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Gabe M
2453 days ago
Trustindex verifies that the original source of the review is Google. 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!!
Posted on Google
Dan S
2463 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Carol H
2492 days ago
Trustindex verifies that the original source of the review is Google. 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.
Posted on Google
Dwpardee
2537 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Craig H
2543 days ago
Trustindex verifies that the original source of the review is Google. 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.🌴
Posted on Google
Debbie H
2562 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Kc112479 M
2563 days ago
Trustindex verifies that the original source of the review is Google. 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.
Posted on Google
Keone N
2563 days ago
Trustindex verifies that the original source of the review is Google. 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.
Posted on Google
Lacey B
2570 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Jon M
2570 days ago
Trustindex verifies that the original source of the review is Google. 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.
Posted on Google
Tanya H
2586 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Bryan
2592 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Victoria R
2661 days ago
Trustindex verifies that the original source of the review is Google. 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.
Posted on Google
Shannon M
2663 days ago
Trustindex verifies that the original source of the review is Google. We had a really complex deal to do and Steven and his team did a fantastic job of putting it together smoothly.
Posted on Google
Caleb M
2667 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Susan W
2735 days ago
Trustindex verifies that the original source of the review is Google. 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.
Posted on Google
Andrew R
2765 days ago
Trustindex verifies that the original source of the review is Google. 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.
Posted on Google
Karyn W
2774 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Demian D
2932 days ago
Trustindex verifies that the original source of the review is Google. I’ve been funded through Steven and the team at Pacific Home Loans and have received great advice on many occasions. They know the business inside and out, are friendly and professional, and get the job done! Recommended.
Posted on Google
Mike S
2968 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Sue G
3039 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Yve K
3145 days ago
Trustindex verifies that the original source of the review is Google. 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
Posted on Google
Iwalani G
3162 days ago
Trustindex verifies that the original source of the review is Google. 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!
Posted on Google
Mari S
3163 days ago
Trustindex verifies that the original source of the review is Google. Steven, Janelle and the team at PCL are the best people we have ever worked with on a home loan. They took care of everything and there were no hiccups or unanswered questions. They answer emails amazingly fast and were always available. I recommend them highly!
Posted on Google
Mai K
3174 days ago
Trustindex verifies that the original source of the review is Google. very slowly. uncooperative, lethargic, does not respond to phone calls, boss thinks he is the prettiest and greatest seller, unqualified appearance! He ignores reminders! No thanks - not again!
Posted on Google
Frank L
3395 days ago
Trustindex verifies that the original source of the review is Google. We were referred to Ryan Hertz by a close friend. We shopped different lenders and mortgage companies, and after talking to a few others we felt Ryan was the person to go with!! He was very professional! We had a lot of questions! Ryan was patient with us and thoroughly answered our questions and educated us on different types of loans. In the end we were able to make an educated decision and choose financing that best suited us! We had an amazing experience! Everything from beginning to end was fast, efficient and exciting! If you want to purchase a home, go see Ryan, get pre approved and go find a home!! Thank you Ryan Hertz and Pacific Home Loans for helping us hit one of our goals and make one of our dreams come true!!!
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