Alternative Document Loan Programs2018-12-27T14:54:21+00:00

Hawaii Alternative Document Loans

For the Self-Employed & Investor

Pacific Home Loans’ Hawaii Alternative Document loans are ideal for the self-employed applicant and investor purchasing or refinancing Hawaii property.

Hawaii Alternative Document Loans

The following two loan options take into consideration all the cash flow and assets a self-employed and high net worth borrower has at their disposal:

Self-employed borrower
No tax returns needed – Qualify with 12 months’ bank statements
Bank Statement Loan

High net worth borrower
No employment or income needed. It is possible to qualify based on assets alone – The Asset Depletion Loan can be used concurrently with the Bank Statement Loan.
Asset Depletion Loan

As an alternative to Hard Money Loans, without the high-cost and inflated rates of Private Money, Pacific Home Loans offers the following loan programs for Investors Only.

Investor – No income verification loan
The applicant will complete the traditional underwriting process with no income verification.
No Income Verification Loan

Investor – Property cash flow loan
This program is designed for experienced real estate investors and qualifies borrowers based on cash-flow solely from the subject property.
Property Cash Flow Loan

Investor – Private Money
Equity-based purchase, refinance and construction loans.
Private Money Loan

These products may have a higher interest rate, more points or more fees than other products that require documentation.

Get Pre-qualified
Contact Us

Tel: (808) 891-0415
Toll Free: (866) 389-2778
2395 S Kihei Rd #205
Kihei, HI 96753
Hours: M-F 8am to 5pm Hawaii Time

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