— REALTORS

Realtor Resources &

Financing Solutions

Structured mortgage solutions for complex transactions, competitive markets, and clients that other lenders turn away – across Hawaii and all markets where Pacific Home Loans is licensed.

— ABOUT REALTOR RESOURCES

Working with
Pacific Home Loans

Pacific Home Loans partners with real estate professionals across all licensed markets to provide financing solutions for the transactions that require more than a standard agency approach.

Our platform is built around the deals that are difficult to close – resort condominiums, non-warrantable projects, high-value portfolio transactions, complex-income borrowers, foreign national buyers, and dual-transaction bridge scenarios. We have been structuring these deals across some of the most demanding real estate environments in the country for over 20 years. That depth of experience and program capacity now extends across all ten of our licensed states.

For real estate professionals whose clients need a solution – not just a rate quote – this is where the conversation starts.

Quick Links

Call 1-866-389-2778

— FLEXIBLE FINANCING

The Pacific Home Loans Platform
for Real Estate Professionals

We Close Deals Others Turn Down

Our lending platform is built around the transactions standard lenders decline. Non-warrantable condominiums. Condotels. Resort-designated projects. Self-employed borrowers. Foreign national buyers. Borrowers managing the timing between two properties. We have structured underwriting solutions for all of it.

Pre-Approval Credibility in Competitive Markets

Our pre-approvals are underwritten, not just calculated. When your client submits an offer in a multiple-offer environment, our pre-approval letter carries weight. We review income, assets, credit, and property eligibility before issuing – not after.

Resort & Condo Expertise – 20+ Years

Hawaii’s resort and condominium market is one of the most complex financing environments in the country. We’ve been navigating project eligibility, HOA review, warrantability assessments, and condotel financing since before most national lenders developed a position on it. That expertise now extends to resort markets across all 10 licensed states – Vail, Sunriver, Scottsdale, Big Sky, Lake Chelan, Gatlinburg, and more.

→ PrimeResort™ Condo Financing

Portfolio Capital for High-Value Transactions

Loan amounts up to $30 million, in-house funded. We can structure pledged asset strategies, cross-collateralization, and contingent-to-non-contingent execution — the tools that matter in high-demand, competitive markets.

→ Portfolio Loans & Flexible Financing Solutions

NQM Programs for Complex Income Scenarios

Bank statement loans, DSCR investor financing, asset-based qualification, 1099 income programs, ITIN loans, and foreign national financing. When your client’s income doesn’t fit a W-2 box, we have a structured qualification methodology that works.

→ Non-QM & Alternative Documentation Programs

Multi-State Reach

Pacific Home Loans is licensed across Hawaii, California, Nevada, Arizona, Oregon, Washington, Colorado, Montana, Tennessee, and Texas. Whether your client is buying in their home state or relocating across the country, we can structure their financing.

— SPECIALIZED FINANCING

Bridge-to-Sale™
Our Flagship Realtor Tool

Bridge-to-Sale™ is a 12-month, interest-only portfolio bridge solution designed for clients who need to purchase their next home before their current one closes – without weakening their offer.

12-Month Interest-Only | Loan Amounts $1M–$30M | Portfolio-Structured | Departing Residence Considered in Structuring

Turn Contingent Buyers Into Stronger Offers

In competitive and luxury markets, contingent offers may limit negotiation strength and delay acceptance. Bridge-to-Sale™ allows your client to:

  • Purchase their next home before their current one closes
  • Reduce or eliminate sale contingencies
  • Expand buying flexibility
  • Compete more confidently in multiple-offer situations

This structure is particularly effective in higher-priced transactions where timing and liquidity influence offer strength.

— STRATEGIC LENDING

Bridge-to-Sale™
Financing Solutions

Bridge-to-Sale™ is a 12-month interest-only portfolio bridge solution structured for departing primary residences that are listed – or preparing to list – for sale.

Key Program Characteristics

  • Loan amounts from $1M to $30M
  • Interest-only structure during the bridge period
  • Portfolio underwriting flexibility
  • Departing property considered in structured qualification
  • Reserve-backed servicing structure

This program is designed to simplify qualification in high-value dual transactions while maintaining underwriting discipline.

→ Portfolio Loans & Flexible Financing Solutions

The Dual-Transaction Advantage

Bridge-to-Sale™ supports sellers upgrading, downsizing transitions, relocations, and luxury repositioning. When properly structured, departing residence debt may be treated differently than traditional DTI models allow – improving purchase qualification in certain scenarios.

This is a strategic tool for agents managing dual escrows.

All loans remain subject to underwriting guidelines and borrower qualification.

Ideal Client Profile

Bridge-to-Sale™ may be appropriate for:

  • Luxury sellers with significant equity
  • High-net-worth homeowners managing the timing between properties
  • Clients in competitive resort markets where non-contingent offers are required
  • Sellers transitioning between primary residences
  • Buyers at resort and luxury markets across all 10 licensed states

For resort-designated and non-warrantable condominium transitions:

→ PrimeResort™ Condo Financing

How to Introduce the Program to Clients

Suggested framing:
“We have a portfolio bridge solution that may allow you to purchase before your current home sells – without weakening your offer.”

This keeps the conversation strategic rather than product-heavy.

— COMMON QUESTIONS

Realtor
FAQ

Have a question not answered here? Our team is available to walk through your specific scenario.

The departing residence must typically be listed or be in active preparation for listing, subject to underwriting review. Our team evaluates the timeline, property status, and overall transaction structure at the beginning of the engagement to determine whether the program is applicable and how it should be structured.

Portfolio underwriting does not rely exclusively on traditional debt-to-income models. Borrower strength is evaluated holistically — equity position, asset depth, liquidity, and credit profile are all considered. In certain structuring scenarios, departing residence debt may be treated differently than standard DTI frameworks allow, which is specifically what makes this program applicable to situations that standard lenders cannot accommodate.

Loan amounts generally range from $1,000,000 to $30,000,000, subject to underwriting approval and individual transaction review. The program is designed for high-value transactions in luxury and resort markets where standard agency programs do not reach.

Yes. The bridge structure is frequently paired with a new purchase transaction. Our team coordinates both transactions simultaneously, managing the dual-escrow complexity proactively so that the agent and client have a clear picture of the timeline and structure throughout.

Yes. PrimeResort™ is Pacific Home Loans’ dedicated financing solution for resort-designated, condotel-classified, and non-warrantable condominium projects. We have been financing these transactions since before most lenders developed a structured approach to the category, and the program is available across all licensed resort markets.

Yes. Our Non-QM platform provides structured qualification pathways for self-employed borrowers, business owners, investors, commission-based professionals, foreign nationals, and ITIN borrowers. The program selection depends on the specific income structure and documentation available – bank statement analysis, DSCR, asset-based qualification, and 1099 income programs each serve distinct borrower profiles.

Yes. Pacific Home Loans is licensed in ten states, and the full program platform is available across all of them. Real estate professionals who operate across state lines or whose clients are relocating between markets have consistent access to the same financing depth regardless of the transaction’s location.

The most efficient starting point is a direct conversation with our team about the specific transaction – property type, borrower profile, loan amount, and timeline. We identify the appropriate program path early and provide a structured assessment before significant time has been invested in a structure that may not be viable.

— MARKETS SERVED

Where Bridge-to-Sale™
Solutions Are Offered

We serve Realtors and their clients across all markets where Pacific Home Loans is licensed:

— COMMON QUESTIONS

Realtor
FAQ

Have a question not answered here? Our team is available to walk through your specific scenario.

The departing residence must typically be listed or preparing to list for sale, subject to underwriting review. Our team evaluates the timeline and structure at the beginning of the transaction.

The program does not rely solely on traditional DTI models. Overall borrower strength, equity position, and liquidity are evaluated under portfolio underwriting guidelines – which is why this program works for scenarios that standard lenders decline.

Loan amounts typically range from $1 million to $30 million, subject to underwriting approval. The range is designed for high-value transactions in luxury and resort markets.

Yes. The bridge structure may be paired with a new purchase transaction when structured appropriately. Our team coordinates both transactions to simplify the dual-escrow process for you and your clients.

Yes. PrimeResort™ is our specialized financing solution for resort-style and non-warrantable condominium projects across all licensed markets. We have been financing these transactions in Hawaii for over 20 years and now extend that expertise to resort markets nationwide.

Yes. Our Non-QM platform includes bank statement loans, DSCR investor financing, asset-based qualification, 1099 income programs, ITIN loans, and foreign national financing. If your client’s income structure doesn’t fit a standard W-2 scenario, we have structured options to evaluate.

Yes. Pacific Home Loans is licensed in Hawaii, California, Nevada, Arizona, Oregon, Washington, Colorado, Montana, Tennessee, and Texas. Our programs – including Bridge-to-Sale™, Portfolio, PrimeResort™, and the full NQM platform – are available across all licensed markets.

Ready to Structure a Transaction?

If you are representing a client who needs a financing solution that standard lenders can’t provide – whether it’s a bridge scenario, a resort condominium, a high-value portfolio transaction, or a complex income situation – our team can evaluate options and structure a strategy.

Call 1-866-389-2778