— HAWAII STATE
Hawaii Mortgage &
Home Loan Solutions
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
Pacific Home Loans was founded and is headquartered in Hawaii – our team understands Hawaii’s real estate market from the inside, including the condo complexities, resort designations, leasehold versus fee simple distinctions, agricultural land classifications, and high-value transaction structures that mainland lenders frequently are not equipped to navigate.
Hawaii’s 2026 conforming loan limit is $1,249,125 statewide, one of the highest in the country, reflecting the elevated baseline property values that make jumbo, portfolio, and PrimeResort™ financing among the most commonly applied programs across the islands.
Call today to get started!
— EXPLORE MORTGAGE SOLUTIONS BY COUNTY
Mortgage Loans Across
the Hawaiian Islands
Maui is Hawaii’s premier luxury and resort real estate destination, with a market defined by oceanfront estates in Wailea and Makena, resort-branded condominiums along the Kaanapali and Kapalua coasts, and the world’s most sought-after vacation property market. Maui County also encompasses Molokai and Lanai – Lanai in particular, with its two Four Seasons resorts and private island character, represents one of the most exclusive resort real estate environments in the Pacific.
Oahu is Hawaii’s most active and diverse real estate market — spanning Honolulu’s high-rise condominium corridor, the luxury estates of Kahala and Diamond Head, the military and primary residence markets of Pearl City and Ewa Beach, and the lifestyle communities of Kailua, Lanikai, and the North Shore. Oahu also anchors Hawaii’s military mortgage market, with Joint Base Pearl Harbor-Hickam, Schofield Barracks, and Marine Corps Base Hawaii making VA loans one of the most commonly applied programs on the island.
The Big Island’s diverse landscape – from the Kohala Coast’s luxury resort corridor anchored by the Four Seasons Hualalai and Fairmont Orchid to the agricultural estates of the Hamakua Coast and the active volcanic terrain of Puna – creates one of the most varied real estate financing landscapes in the state. PrimeResort™, jumbo, agricultural land, and portfolio programs are among the most commonly applied solutions across Hawaii County’s distinct market segments.
Kauai is Hawaii’s most exclusive and consistently high-value island real estate market, defined by limited developable land, extraordinary natural beauty, and a buyer profile drawn almost entirely by luxury lifestyle, resort access, and the island’s character as the least commercially developed of Hawaii’s major islands. Princeville and Hanalei on the North Shore, Poipu on the South Shore, and the estates of Lawai and Kalaheo attract second home buyers, ultra-high-net-worth purchasers, and international buyers for whom Kauai represents a singular real estate opportunity.
Call Today!
— PROPERTY TYPES
Buying Property
in Hawaii
Hawaii real estate includes a wide mix of property types that may impact financing options and underwriting requirements.
Single-family homes
- Condominiums & high-rise units
- Resort-designated properties
- Rural & agricultural land
- Renovation scenarios
- Construction financing
— 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.
- HOA budgets & reserve analysis
- Insurance coverage review
- Owner-occupancy ratios
- Litigation exposure assessment
- Project warrantability determination
PrimeResort™
Some condominiums – particularly resort-designated or non-warrantable projects – require specialized underwriting that conventional lenders cannot provide.
— HAWAII FINANCING
Hawaii-Specific
Financing Considerations
Leasehold vs. Fee Simple Property
Hawaii has a higher proportion of leasehold property than any other state – a land ownership structure where the buyer owns the improvements but leases the underlying land, typically from a trust or estate. Leasehold properties carry distinct financing requirements, including lender review of remaining lease term, lease renegotiation risk, and ground rent structure. Conventional financing for leasehold properties requires a minimum remaining lease term, and many lenders decline leasehold transactions entirely. Pacific Home Loans has experience financing eligible leasehold properties across the islands.
Agricultural Land & CPR Properties
Hawaii’s significant agricultural land inventory – particularly on Maui, Kauai, and the Big Island – and the state’s Condominium Property Regime (CPR) ownership structure for rural parcels present unique underwriting considerations. Our team is experienced with agricultural zoning classifications, CPR parcel financing, and the documentation requirements specific to Hawaii’s rural and agricultural property market.
Foreign National & Japanese Buyer Financing
Hawaii has one of the highest concentrations of foreign national real estate buyers in the United States, with particularly strong demand from Japan and other Asia-Pacific countries. Foreign national loan programs, asset-based qualification, and international buyer structuring are regularly applied across Maui’s luxury resort market, Oahu’s Honolulu high-rise inventory, and Kauai’s North Shore estate market.
— 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.
- Rate-and-term refinance
Cash-out refinance
VA Streamline (IRRRL)
FHA Streamline
- Portfolio refinance for high-balance properties
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
Why Pacific Home Loans
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.
Yes, for eligible leasehold properties. Hawaii has a higher proportion of leasehold real estate than any other state – a land ownership structure where the buyer owns the improvements on the property but leases the underlying land, typically from a trust, estate, or landowner, under a long-term ground lease. Financing a leasehold property requires lender review of the remaining lease term, ground rent structure, and lease renegotiation provisions. Conventional financing generally requires a minimum remaining lease term extending well beyond the loan maturity date, and many mainland lenders decline leasehold transactions entirely due to unfamiliarity with the structure. Pacific Home Loans has experience financing eligible leasehold properties across the Hawaiian Islands and can review your specific property’s lease terms to determine available program options. Contact our team to discuss your leasehold scenario.
The 2026 conforming loan limit in Hawaii is $1,249,125 for a single-family property – applicable statewide across all four counties. This is one of the highest county-level conforming limits in the country, reflecting Hawaii’s elevated baseline property values. Properties with loan amounts above this threshold require jumbo or portfolio financing. Despite the elevated limit, a meaningful share of transactions across Maui’s luxury resort market, Oahu’s premium neighborhoods, Kauai’s North Shore, and the Kohala Coast on the Big Island involve purchase prices that exceed this limit – making jumbo and portfolio programs among the most commonly applied financing solutions in Hawaii’s premium real estate segments.
Yes. Foreign nationals – buyers without U.S. residency or Social Security numbers – can purchase real estate in Hawaii, and Pacific Home Loans offers foreign national loan programs for eligible international buyers. Hawaii attracts one of the highest concentrations of international real estate buyers in the United States, with particularly active demand from Japan and other Asia-Pacific countries across Maui’s luxury resort market, Oahu’s Honolulu high-rise and Kahala estate market, and Kauai’s North Shore and Poipu communities. Foreign national financing typically involves asset-based qualification, larger down payment requirements, and documentation structures that differ from standard domestic programs. Contact our team to discuss eligibility and available program options for your specific situation.
Down payment requirements vary by loan program, occupancy type, and property classification. Our team provides a program match and loan strategy review before you submit an offer.
CPR stands for Condominium Property Regime – a Hawaii-specific ownership structure that allows a single parcel of land to be subdivided into individually owned units without creating a traditional subdivision. CPR is commonly used across Hawaii’s rural and agricultural land markets, particularly on Maui, Kauai, and the Big Island, where it allows landowners to separate and convey individual dwellings or structures on a larger agricultural or rural parcel. Financing CPR properties involves specific underwriting considerations related to the parcel’s zoning classification, the CPR documents themselves, access and easement provisions, and lender comfort with the structure. Not all lenders are familiar with CPR or willing to finance these properties – Pacific Home Loans has experience navigating CPR transactions and can assess your specific property’s financing options. Contact our team to discuss your CPR scenario.
Yes. Pacific Home Loans offers VA purchase, renovation, and streamline refinance loans throughout Hawaii. Hawaii is home to one of the most significant military presences in the Pacific — Joint Base Pearl Harbor-Hickam on Oahu, Schofield Barracks and the 25th Infantry Division in central Oahu, and Marine Corps Base Hawaii (MCBH) at Kaneohe Bay are among the largest installations, supporting a substantial active-duty, veteran, and military family population across the islands. VA loans – with 0% down payment, no private mortgage insurance, and competitive interest rates – are among the most commonly applied financing programs for eligible borrowers purchasing in the communities surrounding these installations, including Ewa Beach, Pearl City, Mililani, Kailua, and Kaneohe. VA Renovation loans are also available for eligible borrowers purchasing properties requiring improvements, and the VA IRRRL Streamline Refinance is available for existing VA loan holders looking to reduce their rate or payment.
Yes, for eligible properties and projects. Resort condominium financing in Hawaii involves an additional layer of project-level review that standard condominium financing does not require. Properties affiliated with Four Seasons, Fairmont, Marriott, Westin, Hilton, and other hospitality brands – common across Maui’s Wailea and Kapalua resorts, the Kohala Coast on the Big Island, Kauai’s Princeville and Poipu communities, and Oahu’s Ko Olina resort corridor – may involve hotel-hybrid or condotel ownership structures, rental pool participation agreements, investor ownership concentration above agency limits, or mixed-use zoning classifications that disqualify standard conventional or jumbo financing.
PrimeResort™ – Pacific Home Loans’ dedicated resort and non-warrantable condominium financing program – is specifically structured for these scenarios. Our team conducts project-level reviews to determine the most appropriate financing structure for your specific resort property, whether it qualifies for conventional, jumbo, or PrimeResort™ financing.
In eligible cases, non-warrantable condo financing may be available through specialized programs. Visit our PrimeResort™ page for more information on resort condominium financing options.
For eligible properties, rental income may be considered under certain programs, subject to underwriting and zoning compliance. Our team will review your specific scenario during the consultation.
Fee simple and leasehold are the two primary forms of property ownership in Hawaii, and understanding the distinction is essential for buyers financing real estate across the islands.
Fee simple ownership means the buyer owns both the improvements – the home, condominium, or structure – and the underlying land outright. Fee simple is the standard form of ownership in most of the United States and carries no ongoing land payment obligations beyond property taxes. Most mortgage financing programs are available for fee simple properties without restriction.
Leasehold ownership means the buyer owns the improvements but leases the underlying land from a landowner – typically a trust, estate, or institutional landowner -under a long-term ground lease. The leaseholder pays ground rent to the landowner and is subject to the terms of the lease, including renewal provisions and potential rent renegotiation at defined intervals. When a leasehold expires and is not renewed, ownership of the improvements can revert to the landowner – making remaining lease term a critical consideration for both buyers and lenders.
Hawaii has a significantly higher proportion of leasehold property than any other state, a legacy of the historical land ownership patterns established by Hawaii’s major land trusts and estates. Leasehold properties are found across all islands but are particularly common in certain Honolulu high-rise communities and in some Maui resort developments. Leasehold properties typically sell at a discount to comparable fee simple properties – reflecting the lease obligations and financing limitations – though the magnitude of that discount varies with remaining lease term, ground rent levels, and current market conditions. Buyers considering a leasehold property should discuss the specific lease terms with their lender early in the process, as financing availability and program options depend heavily on the individual lease structure.
— CLIENT TESTIMONIALS
What Our Clients
Are Saying
Posted on Google
Sarkaw A18 days agoTrustindex 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 GoogleNicole C46 days agoWe 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 GooglePat R52 days agoGinni 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 GoogleTroy W52 days agoRyan 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 GoogleJade N61 days agoPosted on GoogleKaleolani Y61 days agoPosted on GoogleBen M73 days agoRyan 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 teamPosted on GoogleAntonio E77 days agoRyan did a great job. He is highly experienced and a great communicator.Posted on GoogleBradley B85 days agoI 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 GoogleKatheryn E109 days agoI 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 GoogleGrant K147 days agoSteve, 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 GoogleGarrett R150 days agoAnthony 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 GoogleDebye W164 days agoI 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 GoogleJason H166 days agoWe 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 GooglePeter W177 days agoI 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 GoogleTom F200 days agoRyan 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 GoogleLeah F210 days agoHailey 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 GoogleSean W221 days agoSteven, 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 GoogleKevin F247 days agoAnthony 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 GoogleSusan F250 days agoI 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 GoogleNatasha H290 days agoSteven 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 GoogleColleen M311 days agoJust 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 GoogleMatt P326 days agoGreat experience working with Ryan Hertz! He was always available and helpful during the stressful process. Would recommend to family and friends!Posted on GoogleDavid H362 days agoRyan 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 GoogleDaniel M389 days agoKeith 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 GoogleSteve L407 days agoI 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 GoogleJimmy M410 days agoMy 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 GoogleDon M425 days agoHailey 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 RealtyPosted on GoogleHans V448 days agoWe 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! HansPosted on GoogleKyle E451 days agoI’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 GoogleKeith L464 days agoRyan 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 GoogleBrent W470 days agoI can’t say enough about how awesome Cindy was and made the process so easy. She was very professional and so friendly!!!Posted on GoogleLauryn B475 days agoRyan 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 GoogleMike M480 days agoRyan 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 GoogleJanet V488 days agoI 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 GoogleCarrie T501 days agoKeith 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 GoogleGreg B502 days agoAmazing 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 GoogleKarisa H528 days agoWorking 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 GoogleErik B548 days agoThanks Keith for getting my loan done in record time. You guys rock!Posted on GoogleDave F576 days agoGiven 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 GoogleGrace W636 days agoI 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 GoogleAllan H701 days agoI 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 GoogleNicci H715 days agoI 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 GoogleJennifer T771 days agoWords 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 GoogleEhsan E781 days agoWe 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 GooglePhillips A851 days agoI 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 GoogleKevin M857 days agoKeith 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 GoogleTerry B956 days agoIt 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, HIPosted on GoogleAlanna B1418 days agoEddie 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 GoogleScott S1472 days agoI 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 GoogleKatie E1747 days agoSteven 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 GooglePinney M1958 days agoRyan 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! CheersPosted on GoogleGary M2019 days agoThank 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 GoogleNicci H2079 days agoSteven 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 GoogleJulie H2152 days agoSteven 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 GoogleGrant E2157 days agoGreat team ,responsive and offer a high level of professionalism. Would highly recommend!!Posted on GoogleRob D2157 days agoI 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 GoogleSassan Y2191 days agoI 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 GoogleTheresa A2206 days agoSteven 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 GoogleCandice J2223 days agoIt 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 GoogleMary L2224 days agoWe 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 GoogleRobyn C2239 days agoSteven & 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 GoogleLauren B2260 days agoThe 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 GoogleErrol A2265 days agoSteven 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 GoogleMichael W2287 days agoThank 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 GoogleJuan R2305 days agoExcellent 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 GoogleJohn M2308 days agoI 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 GoogleJulia W2327 days agoSteven and all his office staff were super! Easy and pleasant experience - would definitely recommend!Posted on GoogleKai L2328 days agoHey 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 LennyPosted on GoogleLoren P2329 days agoSteve 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 muchPosted on GoogleDonnie M2333 days agoSteven 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 GoogleTony M2333 days agoI 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 elsePosted on GoogleFred H2333 days agoSteven 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 GoogleTracy “2398 days agoSteven’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 GoogleGabe M2462 days agoThese 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 GoogleDan S2472 days agoPacific 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 GoogleCarol H2501 days agoAmazing !! 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 GoogleDwpardee2546 days agoMy 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 GoogleCraig H2552 days agoSteven 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 GoogleDebbie H2571 days agoI 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 GoogleKc112479 M2572 days agoSteve 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 GoogleKeone N2572 days agoI 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 GoogleLacey B2579 days agoSteven 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 GoogleJon M2579 days agoSteven 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 GoogleTanya H2595 days agoWe 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 GoogleBryan2601 days agoWe 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 GoogleVictoria R2669 days agoFirst 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 GoogleShannon M2672 days agoWe had a really complex deal to do and Steven and his team did a fantastic job of putting it together smoothly.Posted on GoogleCaleb M2676 days agoWe 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 GoogleSusan W2744 days agoThe 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 GoogleAndrew R2774 days agoIf 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 GoogleKaryn W2783 days agoWhat 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 GoogleDemian D2941 days agoI’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 GoogleMike S2977 days agoWorking 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 GoogleSue G3048 days agoWow! 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 GoogleYve K3154 days agoThanks 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 OhanaPosted on GoogleIwalani G3171 days agoSteven 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 GoogleMari S3172 days agoSteven, 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 GoogleMai K3183 days agovery 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 GoogleFrank L3404 days agoWe 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!!!Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. 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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, Realtor
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.
Art R., Homeowner
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.
Donnie, Home Buyer
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., Home Buyer
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.
J. Andrews, Home Buyer
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., Home Buyer
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., First-Time Home Buyer
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!
Alexi, Real Estate Investor
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!!
Michael M., Home Buyer
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!
Stephanie H., Home Buyer
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