Hawaii Home Loans

Pacific Home Loans Founder Steven Mangum and his all-star team are well known for putting you (the customer) first. They have an outstanding reputation amongst the thousands of Hawaii homebuyers they have served and their recent graduation from mortgage broker to mortgage banker illuminates their blossoming success. As a mortgage banker, Pacific Home Loans can offer faster loan processing, customer cost savings, and access to a wider portfolio of Hawaii loan programs.

Pacific Home Loans offers a comprehensive array of loan services that include first or second mortgages, home equity loans (HELOC) and refinancing, HUD title One, home improvement or home remodel loans, construction loans, and debt consolidation loans.

Whether you are purchasing a residential, commercial, or an investment property, 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.

A Little About Steven Mangum

Like many of the homebuyers he serves, it was Hawaii’s year-round surf and sun that lured Steven to Maui after beginning his mortgage career in 2002. His experience with a fast-growing Oceanside, California brokerage firm served him well as he landed a management position with a Hawaii mortgage company. In 2007, he decided to take the leap and launch Pacific Home Loans where he continues to lead the company successfully through many changes in the mortgage industry.

Steven has closed over 1200 loans and inaugurated the practice of always being readily available to his clients, serving them with the highest level of expertise. Steven maintains his National Mortgage Loan System license (NMLS# 278194), which requires rigorous testing in addition to background and credit checks. With the goal of giving the lending industry the tools, skills, and vision it needs to excel in an ever-changing market place, Steven stands out in Hawaii as a true industry leader.

Team Members at Pacific Home Loans

Pacific Home Loans success is directly a result of its ability to attract top producing talent to its team. Each team member adheres to a strong code of ethics and professionalism. In addition to Steven Mangum, the team includes Caroline Sakthiveil, Ryan McNally and Jeffery Zaugg as mortgage loan originators.

Brandy Noss - Senior Loan Processor
Having begun her career in the mortgage industry in 1998, Brandy has just about seen it all when it comes to loans! Brandy’s extensive mortgage knowledge and experience, combined with the banking relationships she has established over the years, makes her an invaluable member of the Pacific Home Loans team.

Janelle Makanani McDougall-Shaw - Transaction Coordinator
Born and raised in UpCountry Maui, Janelle went on to receive a B.S. in Sociology in 2002 at the University of Hawaii at Manoa. She originally joined Pacific Home Loans in 2004 as a loan processor, but has since become a liaison between the real estate agents, clients, escrow and title companies we work with.

Hawaii Loan Programs

Owning a home or condominium in Hawaii can provide you with the island lifestyle of your dreams. After all, in 2010 Condé Nast Magazine ranked Maui as “The World’s Best Island” for the 13th time. Pacific Home Loans serves clients from the US mainland and around the world and is committed to guiding you on every step of the buying process. If you are a Canadian or international buyer, or interested in purchasing a condominium in Hawaii, there are important requirements to consider. Pacific Home Loans is an expert in guiding you through Hawaii’s unique process.

The process of buying a home in Hawaii can be new to home buyers from the mainland, or oversees. Here are some of the many of the types of loan programs available in Hawaii through Pacific Home Loans:

• CONVENTIONAL
• Fannie Mae
• Freddie Mac
• HomePath*
• Jumbo

• GOVERNMENT
• FHA
• USDA
• VA

• PRIVATE MONEY
• Cash Out
• Foreclosures
• REO

• PORTFOLIO
• Condo-tel*
• Construction to perm
• International*
• Raw Land

Why Select Pacific Home Loans

Pacific Home Loans is both a direct lender and a broker to over 30 banks, offering you both one-on-one attention and the resources of a large bank. Pacific Home Loans has recently graduated from being a mortgage broker to being a mortgage banker. Since Pacific Home Loans can make loans directly, this not only cuts down on the time it takes to close your loan, but also usually results in significant savings.

In addition, Pacific Home Loans is also the preferred lender for the Ke Ali’i Ocean Villas. Situated on Maui's sunny south shore in Kihei, Ke Ali'i Ocean Villas offers a luxurious, townhome condominium lifestyle in a wonderful community just minutes away from world class beaches, shopping, restaurants, golf and more.

You won’t see large flashy ads in Hawaii real estate publications for Pacific Home Loans. Their success is based on the strength of their reputation and adhering to a strong code of ethics. They maintain a current ethics certification from the National Certification of Mortgage Professionals that requires frequent background checks and testing. If you are ready to look at available financing options for your second home, or real estate investment, contact Pacific Home Loans today.