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Pacific Home Loans

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United States
Kihei, HI
Pacific Home Loans

Trusted mortgage experts since 2003. We make financing simple, whether buying, refinancing, or investing. Fast closings, local expertise.

Licensed in HI, AZ, CA, CO, MT, NV, OR, TX, & WA. NMLS #278194 | Equal Housing Lender. For over 20 years, Pacific Home Loans has been proudly serving homebuyers and homeowners across Hawaii, Arizona, California, Colorado, Nevada, Oregon, Montana, Texas, and Washington. We offer a wide range of mortgage solutions, from First-Time Home Buyer programs and VA loans to Alternative Documentation (Alt Do

c) loans for self-employed borrowers. As both a mortgage banker and mortgage broker, we provide access to more loan programs than most lenders, including unique portfolio products like condotel, land, and construction-to-permanent loans - ensuring we meet a diverse range of residential financing needs. Our Mortgage Loan Officers (MLOs) are licensed through the Nationwide Multistate Licensing System (NMLS) and complete ongoing education and compliance training to stay up-to-date with changing guidelines and product offerings. Through continuous professional development and industry engagement, our team remains on the cutting edge of mortgage lending. Whether you're purchasing or refinancing a home or condo in any of the states we serve, Pacific Home Loans is dedicated to delivering personalized mortgage planning and expert guidance—helping you make confident, informed decisions about one of life’s biggest financial milestones.

12/03/2025

🚨 New FHFA Loan Limits for 2026 Are Out!
The FHFA just announced higher conforming loan limits for 2026 — and that means more buying power and more financing flexibility for homebuyers and homeowners.
We break down the new limits, high-cost area ceilings, and what this means for Hawaii and other high-value markets in our latest blog post.
👉 Read it here: https://tinyurl.com/258dc8sh
Have questions about how the new limits affect your purchase or refinance plans? Our loan officers are here to help. 🏡✨

11/27/2025

We are grateful for the trust our clients, partners, and community place in us every day. Wishing you and your loved ones a warm, joyful, and peaceful holiday!

11/07/2025

Thinking about a second home or investment property in 2025?
With mortgage rates near their lowest point in a year, now is a great time to explore your options — and non-agency loans could give you the flexibility and buying power you need.
Whether it’s a beachfront getaway in Hawaii, a mountain retreat in Colorado, or a high-performing rental in Texas, our non-agency programs make financing high-value properties easier and more affordable.
✨ More flexibility. Higher loan limits. Competitive rates.
That’s the Pacific Home Loans difference.
📖 Read the full blog: Why Non-Agency Loans Are Ideal for Second Homes and Investors
👉 https://tinyurl.com/5n724fjn

10/24/2025

🎯 Before the year ends, take a few minutes to set yourself up for mortgage success in 2026!
From reviewing your loan and credit to paying down debt and organizing documents — a little prep now can save you thousands later.
👉 Read our latest blog for 5 smart year-end mortgage moves: https://tinyurl.com/mvajs6cu

10/10/2025

What the Federal Shutdown Could Mean for Your Mortgage
The recent federal government shutdown may cause delays or temporary interruptions for certain mortgage programs — including FHA, VA, and USDA loans — as well as verifications that rely on IRS or other federal agencies.
If you’re in the process of buying or refinancing a home, it’s important to understand how this could affect your loan.
📖 Read our latest blog for a quick overview of what’s happening, what services are impacted, and how to prepare:
👉 https://tinyurl.com/nhkftfw5

09/26/2025

🏡 Mortgage rates are holding steady in the mid-6% range—but that stability doesn’t mean the market is quiet.
Fed policy, bond market dynamics, and a tight housing supply are all keeping rates balanced…for now.
✅ What’s keeping rates where they are
✅ What could push them higher or lower next
✅ Tips on whether to lock in a rate or wait
💡 Whether you’re buying your first home, refinancing, or just watching the market, understanding these trends can help you make the right move.
📖 Read the full breakdown and get expert guidance in our latest blog 👉 https://tinyurl.com/2fc42a52

09/12/2025

🚨 Mortgage rates just hit an 11-month low — now averaging 6.49% for a 30-year fixed!
That’s a sharp drop and a big opportunity for homebuyers and homeowners alike.
✅ Refinance applications jumped 12% in a week
✅ Purchase applications rose 6.6%
✅ Buyers are moving fast before rates rebound
Read More Here: https://tinyurl.com/2jbv599d
💡 Pro tip: Ask your lender about rate lock + float-down options so you can secure today’s low rates while still having the flexibility if rates dip further.
👉 Don’t wait for the Fed’s September meeting — this is the time to act if you’ve been thinking about buying or refinancing.
📞 Contact Pacific Home Loans today to see how much you could save.

09/09/2025

🏠 Mortgage Rates Are Finally Falling—Don’t Wait!
As of September 8, 2025, 30-yr fixed mortgage rates have dropped into the mid-6% range, buoyed by signs of a softening labor market and growing expectations of a Fed rate cut. Analysts now predict multiple cuts before year-end, and that could bring rates even lower.
If you've been postponing refinancing or wondering if it's time to buy, the answer may be yes - right now.
Contact a Pacific Home Loans officer today to lock in your rate while the momentum’s on your side.
Learn more in our full blog: https://tinyurl.com/5h9v77tt

08/20/2025

💸 Refinance to Pay Off High-Interest Debt & Save! ⬇️

Stuck with soaring credit card or loan rates? A smart refinance could be your financial game-changer! Discover how tapping into your home’s equity through a refinance can help you:

• Consolidate debt into lower-rate payments
• Reduce your monthly outflow and simplify your finances
• Avoid extra fees with transparent, straightforward solutions

Read our latest blog to explore how refinancing strategies can ease your financial burden and put you back in control: https://tinyurl.com/y7367rwx

08/01/2025

🎓💸 Drowning in student loan debt but own your home? There may be relief in sight.
Fannie Mae offers a Student Loan Cash-Out Refinance—a smart option that lets you use your home equity to pay off student loans in full and roll that balance into your mortgage.
✅ One monthly payment
✅ Potentially lower interest rate
✅ No cash in hand required
✅ No loan-level pricing hit
This is not a typical cash-out—it’s a targeted program that can help you breathe easier financially.
🔗: https://tinyurl.com/twbd7pu2

Address

2395 S Kihei Road Ste 205
Kihei, HI
96753

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

http://www.pacifichomeloans.com/

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