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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 People

    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.

  • Innovative Solutions

    NEW Make Sense Underwriting

    bullet Self Employed Borrower?

    Asset Depletion

    Pledged Assets

    Self-Employed Borrower - Bank Statement Loan: Qualify with 12 months bank statements or 1 year tax return

    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.

Steven Mangum Surfer

Monday through Friday
8:30am-5pm HST
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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
Monday through Friday 8:30am-5pm HST
© Copyright 2015 Pacific Home Loans • NMLS# 278194
These materials are not from HUD or FHA and were not approved by HUD or a government agency.