Business Details
21 Years
experience
Your Trusted Mortgage Partner in Aiea, HI
Since 2005, Pacific Rim Mortgage has established itself as Hawaii's trusted partner in home mortgages. Our team averages over 12 years of mortgage lending experience, specializing in Conventional, VA, FHA, and USDA loan programs for purchases and refinances. We prioritize personalized service, treating clients like family while maintaining industry-leading loan closing times of 30 days or less. Our process emphasizes transparent communication, stress-free transactions, and tailored solutions that address each client's unique financial situation.With multiple awards recognizing our excellence, we combine technical expertise with a commitment to community service, ensuring clients receive both professional expertise and genuine care throughout their home buying journey.
Services
Conventional Loans
VA Loans
FHA Loans
USDA Loans
Refinance Options
Streamline Refinance
Cash-Out Refinance
Mortgage Calculators
Online Application
Details
- Year established: 2005
Highlights and features
- Our team averages over 12 years of mortgage lending experience
- Specialize in Conventional, VA, FHA, and USDA loan programs
- Maintain industry-leading loan closing times of 30 days or less
- Provide personalized service treating clients like family
- Recognized with multiple awards for mortgage excellence
What people say
Stress-free experience
Expert loan guidance
Efficient closing process
Personalized service approach
Market expertise
Services
Conventional Loans
Offering fixed-rate and adjustable-rate conventional loans with down payments as low as 3%. Our experts guide clients through loan terms ranging from 15-30 years with competitive interest rates. We provide clear explanations of mortgage insurance requirements and help determine optimal loan amounts up to $1,209,750 while maintaining transparent communication throughout the process.
VA Loans
Specialized mortgage solutions for active military, veterans, and reservists. We facilitate zero-down payment options with flexible qualification guidelines. Our team handles VA approval processes for various property types while ensuring compliance with specific VA requirements. We offer both fixed-rate and adjustable-rate options tailored to veterans' unique needs.
FHA Loans
Providing FHA-insured loans with 3.5% minimum down payments and flexible credit requirements. We assist clients with property approvals and explain mortgage insurance premium options. Our streamlined process helps first-time homebuyers navigate FHA guidelines while offering both fixed-rate and adjustable-rate mortgage solutions.
USDA Loans
Offering zero-down payment mortgage options for qualified rural area buyers. We help clients understand area-specific eligibility requirements and facilitate the USDA approval process. Our experts explain income limits and property standards while providing fixed-rate financing solutions for eligible applicants.
Refinance Options
Comprehensive refinancing solutions including rate reduction, cash-out options, and debt consolidation. We analyze clients' current mortgages to identify savings opportunities and explain different refinance programs. Our team handles streamline refinances for VA and FHA loans while providing detailed cost-benefit analyses for each scenario.
People
Jodie Tanga
Mortgage Loan Originator
With NMLS #277336, Jodie brings extensive mortgage expertise to Pacific Rim Mortgage. Specializing in Hawaii's unique real estate market, she helps clients navigate loan options while maintaining personalized service standards.
Derek Tanga
Mortgage Loan Originator
NMLS #952244 professional with deep understanding of mortgage programs. Derek focuses on VA and conventional loans, leveraging his experience to deliver tailored solutions for Hawaii homebuyers and refinancers.
Kasie Herman
Mortgage Loan Originator
As NMLS #1376332, Kasie specializes in FHA and USDA loan programs. She provides expert guidance through complex mortgage processes while maintaining clear communication and client-focused service standards.
Questions
What mortgage services do you offer?
We offer Conventional, VA, FHA, and USDA loans for purchases and refinances, including specialized programs for Hawaii residents.
How quickly can you close a mortgage?
Our standard closing time is 30 days or less, with underwriting completed within 10 days through our streamlined process.
Do you offer online mortgage applications?
Yes, we provide a secure online application process for your convenience.
What makes Hawaii mortgage transactions unique?
We understand Hawaii's specific requirements, including post-funding escrow holding periods and local property regulations.
How do you personalize mortgage solutions?
Our team analyzes your financial goals and circumstances to recommend tailored loan options and strategies.
What refinancing options are available?
We offer rate reduction, cash-out, and streamline refinance options including VA IRRRL and FHA programs.
