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Pacific Home Loans Founder Steven Mangum and his all-star team are well known for putting the customer first. We have an outstanding reputation amongst the thousands of Hawaii homebuyers we have served and our recent graduation to mortgage banker illuminates our blossoming success. As a mortgage banker, Pacific Home Loans can offer faster loan processing, customer cost savings, and access to a wider portfolio of loan programs.

Whether you are purchasing a Home or a Condominium, Pacific Home Loans is committed to providing you with high-level mortgage planning and guiding you to make informed decisions regarding what is likely to be one of your life’s biggest investments.

  • Pacific Home Loans Bank

    The biggest challenge in applying for a loan today is every bank has a different set of underwriting guidelines.

    Pacific Home Loans
    The best of both worlds!


    Pacific Home Loans is a direct lender insuring the lowest possible rate and the lowest closing cost.

    Pacific Home Loans is also a broker. Not every loan scenario is a good fit for every bank. With our vast resources as a broker you have the best possible chance of getting your loan approved.

  • Pacific Home Loans Mortgage
    This Program Offers Great Incentives for Hawaii Home Buyers

    HomePath is a mortgage program that allows a borrower to purchase a Fannie Mae-owned property with a low down payment, flexible mortgage terms, no lender-requested appraisal and no mortgage insurance

    Here are some of the highlights and unique attributes of HomePath:

    • 3% Down
    • No Mortgage Insurance
    • No appraisal Required
    • Condotels with 3% Down

    Hawaii HomePath Info
  • Innovative Solutions

    NEW Make Sense Underwriting

    bullet Stated Income

    Asset Depletion

    Pledged Assets

    STATED INCOME: Employment or self-employment income stated on the loan application and not verified.

    ASSET DEPLETION: Use liquid assets in combination with, or in lieu of income to qualify for a loan

    PLEDGED ASSETS: Keep your cash: 10% is the minimum down on any size loan with pledged assets. No mortgage insurance required.

    If you think your financial situation makes sense for qualifying for a loan – Bring your loan to PHL we have MAKE SENSE UNDERWRITING.

    Loans up to $20,000,000

Steven Mangum Surfer
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Pacific Home Loans • 2395 South Kihei Road • Suite 205 • Kihei, HI 96753
Phone: (808)891-0415 • Fax: (808)891-8101 • Toll Free: (866) 389-2778
© Copyright 2011 Pacific Home Loans • NMLS# 278194