Operating in Hawaii since 2004 and incorporated in 2007, Pacific Home Loans offers a wide variety of loans, from First-Time Home Buyer programs to VA loans to Alt Doc loans for the self-employed. We offer more programs than any other mortgage provider in the state of Hawaii. We are able to do this because we are both a mortgage banker and mortgage broker. This means that Pacific Home Loans can fund your loan in-house for some of the quickest closings and lowest rates in Hawaii along with the added benefit of many portfolio loans such as condotel, land, and construction to permanent to ensure all your Hawaii residential home loan needs are met. Our Mortgage Loan Officers (MLO) have undergone rigorous training and licensing through the Nationwide Multistate Licensing System (NMLS). To maintain this licensing, annual continuing education is also required. Through attending conferences, continuing education, and a thorough program of compliance training, our MLOs and staff are on the cutting edge of product availability and mortgage industry guidelines. Whether purchasing or refinancing a Hawaii home or a condominium, Pacific Home Loans is committed to providing a high-level mortgage planning and guiding you to make informed decisions regarding what is likely to be one of life’s biggest investments.