— HAWAII STATE
Hawaii Mortgage &
Home Loan Solutions
Mortgage financing across Maui, Oahu, Kauai, and the Big Island – structured for Hawaii’s unique real estate market.
— ABOUT HAWAII HOME LOANS
Hawaii’s Mortgage
Lending Specialists
Mortgage financing across Maui, Oahu, Kauai, and the Big Island – structured for Hawaii’s unique real estate market.
Pacific Home Loans is a Hawaii mortgage lender serving borrowers across Maui, Oahu, Kauai, and the Big Island. We provide conventional, FHA, VA, jumbo, renovation, non-QM, and portfolio home loan solutions for primary residences, condominiums, and eligible investment properties throughout the state.
Whether you are purchasing, refinancing, renovating, building, or investing, our team provides clear guidance tailored to Hawaii’s property types, contracts, and underwriting requirements.
— EXPLORE MORTGAGE SOLUTIONS BY COUNTY
Mortgage Loans Across
the Hawaiian Islands
Maui County
Maui • Molokai • Lanai
Honolulu County
Honolulu • Windward • Leeward
Hawaii County
Kona • Kohala • Hilo
Kauai County
East Side • North Shore • Poipu
— PROPERTY TYPES
Buying Property
in Hawaii
Hawaii real estate includes a wide mix of property types that may impact financing options and underwriting requirements.
— POPULAR STARTING POINTS
Explore Your
Path to Ownership
— SPECIALIZED FINANCING
Hawaii Condo &
Resort Financing
Condominium financing in Hawaii often involves project-level review. Our team is experienced in navigating complex project requirements that other lenders may not accommodate.
— FOR RESORT & NON-WARRANTABLE PROJECTS
PrimeResort™
Some condominiums – particularly resort-designated or non-warrantable projects – require specialized underwriting that conventional lenders cannot provide.
— PROGRAM OPTIONS
Hawaii Home Loans
Program Options
We offer a full range of Hawaii mortgage solutions — from government-backed programs to in-house portfolio financing for complex scenarios.
Conventional
Standard loans for primary residences, second homes, and investment properties meeting Fannie Mae / Freddie Mac guidelines.
FHA Loans
Low down payment financing for eligible primary residence purchases and refinances with flexible qualification standards.
VA Loans
Zero down payment financing for eligible veterans, active-duty service members, and surviving spouses purchasing in Hawaii.
Jumbo Loans
High-balance financing for Hawaii’s elevated property values, including luxury homes and high-rise condominiums.
Non-QM / Alt-Doc
Alternative documentation programs for self-employed borrowers, investors, and complex-income scenarios.
Portfolio Loans
In-house funded portfolio lending for high-value transactions, unique financial profiles, and strategic financing needs.
— REFINANCING
Hawaii Mortgage
Refinance Options
If you are refinancing a home in Hawaii, we offer a full range of refinance solutions tailored to your property type, loan balance, and financial goals.
Ready to Refinance?
Our team will review your current loan, property type, and goals to identify the best refinance path available in Hawaii’s market.
— WHY PACIFIC HOME LOANS
Hawaii Home Loans
Program Options
Our team understands Hawaii’s property market from the inside – the condo complexities, the resort designations, the high-value transactions, and the borrower scenarios that require specialized solutions.
Condo Financing Expertise
Hawaii-focused condominium financing with a clear project review process for complex & non-warrantable properties.
In-House Portfolio Capital
Funded portfolio lending capability for high-value and complex transactions that require flexible structuring.
Flexible Borrower Solutions
Self-employed, investor, and complex-income borrowers served through Non-QM and portfolio programs.
Licensed Across 10 States
Hawaii-headquartered with multi-state licensing – serving borrowers wherever their investment journey takes them.
Dedicated Loan Team
Every borrower is supported by a dedicated team from application through closing – not passed between departments.
Streamlined Process
Pre-qualify quickly, upload documents securely online, and e-sign mortgage disclosures from anywhere.
— COMMON QUESTIONS
Hawaii 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
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!!
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.
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.
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!
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.
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!
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.
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. I would recommend Pacific Home Loans to anyone looking to buy real estate or refinance. They will not let you down.
