Business Details
17 Years
experience
Your Trusted Mortgage Partner in Kihei, HI
Pacific Home Loans has been a trusted partner in home financing since 2009, specializing in mortgage banking and brokerage services. Our team of seasoned professionals offers a diverse suite of loan programs tailored to first-time buyers, investors, and self-employed individuals. With in-house funding capabilities, we provide competitive rates and streamlined processes for conventional, VA, FHA, and alternative documentation loans. Our expertise extends to unique financing scenarios including condotels, land purchases, and construction-to-permanent loans.Backed by decades of collective experience, we combine personalized service with cutting-edge technology to ensure seamless transactions. Our commitment to transparency and ethical lending has earned us a reputation as a reliable guide through the complex mortgage landscape. Operating across eight western states, we maintain local market knowledge while upholding national standards of excellence. Customer testimonials consistently highlight our responsiveness, expertise, and ability to navigate challenging transactions with precision.
Services
Home Loans
Refinancing
VA Loans
FHA Loans
Construction Loans
Jumbo Loans
Alt-Doc Loans
Condotel Financing
Private Lending
1031 Exchange Loans
Details
- Year established: 2009
Highlights and features
- We operate as both mortgage banker and broker for comprehensive loan options
- Our team specializes in complex financing scenarios including condotels and land purchases
- In-house underwriting enables faster decision-making and personalized service
- Licensed in 8 western states with local market expertise
- Proven track record helping first-time buyers and experienced investors
What people say
Exceptional communication
Knowledgeable specialists
Smooth transaction process
Competitive rates
Personalized service
Services
Home Loans
We offer comprehensive home loan solutions for first-time buyers and experienced investors. Our programs include conventional, government-backed, and alternative documentation options. With local market expertise across eight western states, we help clients navigate purchase transactions with personalized guidance and competitive rate offerings.
Refinancing
Our refinancing services help homeowners reduce monthly payments, shorten loan terms, or access equity. We specialize in rate-and-term refinances and cash-out options for various property types. Clients benefit from our in-house underwriting process and competitive pricing across multiple loan programs.
VA Loans
We provide specialized VA loan programs for eligible military personnel and veterans. Our team handles both purchase and refinance transactions with expert guidance through the unique VA requirements. We maintain certification in VA relocation loans and offer tailored support for service members' housing needs.
FHA Loans
Our FHA loan programs cater to borrowers with lower credit scores or limited down payment capacity. We offer both purchase and refinance options with competitive terms. Our specialists guide clients through the FHA process, including specific programs for first-time homebuyers and energy-efficient properties.
Construction Loans
We specialize in construction-to-permanent financing for custom home building projects. Our programs cover land acquisition, new construction, and renovation projects. Clients receive dedicated support through each phase of the building process, with flexible terms for various property types and project scales.
People
Ginni Madsen
Executive Vice President/MLO
With over 15 years in mortgage lending, Ginni specializes in Hawaii market complexities. She holds multiple state licenses and focuses on personalized service for purchase and refinance transactions.
Steven Mangum
Mortgage Loan Originator
Steven brings extensive experience in creative loan solutions across seven western states. He specializes in helping clients find tailored financing options with a focus on customer education.
Ryan Hertz
Mortgage Loan Originator
Ryan excels in handling complex transactions including 1031 exchanges. Licensed in six states, he provides expert guidance for investors and out-of-state buyers navigating unique financing scenarios.
Hailey Baclig
Mortgage Loan Originator
Hailey offers personalized mortgage solutions with a focus on Hawaii and California markets. She specializes in first-time buyer programs and maintains a client-centered approach throughout the loan process.
Tommy Leigh
Mortgage Loan Originator
With expertise across multiple loan products, Tommy serves clients in Nevada and western markets. He focuses on transparent communication and timely execution for purchase and refinance transactions.
Questions
What loan programs do you offer?
We offer conventional, VA, FHA, jumbo, alt-doc, condotel, construction, and private lending programs across eight western states.
Are you a direct lender?
Yes, we operate as both mortgage banker and broker, allowing in-house funding for select programs while maintaining diverse lending options.
Can you help with out-of-state purchases?
Our licensed team assists with property acquisitions across all served states, including specialized support for out-of-state buyers.
How quickly can you process a loan?
With streamlined systems and dedicated teams, we typically close loans within 30-45 days depending on complexity and documentation timeliness.
Do you offer online application options?
Yes, our secure digital platform allows complete online applications with real-time document submission and status tracking features.
What makes you different from other lenders?
Our combination of local market expertise, diverse loan programs, and personalized service creates tailored solutions for unique financing needs.
