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.
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.
First-Time Home Buyer's*
Mortgage Credit Certificate Program (MCC)
The Mortgage Credit Certificate (MCC) reduces the amount of federal income tax you pay, thus giving you more available income to qualify for a mortgage loan and assist you with house payments.
First-Time Home Buyer's Info
*To qualify: You cannot have an ownership in a principle residence in the last three years.
NEW Make Sense Underwriting
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