Business Details
Your Trusted Mortgage Partner for Home Loans Across 9 States
At Pacific Home Loans, we pride ourselves on being a customer-centric mortgage banking and brokerage firm dedicated to making homeownership dreams a reality. Founded by Steven Mangum, our team of licensed loan officers brings decades of combined experience in mortgage financing, offering personalized solutions tailored to each client's unique needs. We operate as both a mortgage banker and broker, enabling us to fund loans in-house while accessing diverse portfolio options like condotel, land, and construction-to-permanent financing.Our streamlined digital processes allow for rapid pre-qualification and document submission, while our team's commitment to transparency and relationship-building has earned us trust across multiple states. With a focus on innovation and ethical practices, we maintain a positive work culture centered on collaboration, accountability, and continuous improvement.
Services
VA Loans
FHA Loans
Jumbo Loans
Construction Loans
Refinance Options
Alt-Doc Loans
Condotel Financing
Land Loans
Self-Employed Mortgages
Cash-Out Refinance
Highlights and features
- We operate as both mortgage banker and broker for competitive rates and flexible options
- Our team provides personalized guidance through the entire mortgage process
- We offer specialized loan programs for unique properties and employment scenarios
- Streamlined digital process enables pre-qualification in minutes with secure document upload
- Proven track record serving clients across nine U.S. states since our founding
What people say
Exceptional communication
Stress-free process
Competitive rates
Personalized service
Expert guidance
Services
VA Loans
We specialize in VA loans for eligible veterans and service members, offering competitive rates and specialized benefits. Our experts guide clients through the unique qualification process for these government-backed mortgages. With deep understanding of military service requirements, we help veterans achieve homeownership with zero down payment options and favorable terms.
Jumbo Loans
Our jumbo loan program serves clients seeking financing beyond conventional loan limits across multiple states. We provide tailored solutions for luxury properties and unique real estate investments. With one of the largest selections in California and Hawaii, our team helps clients navigate complex underwriting requirements for high-value properties.
Construction Loans
We offer construction-to-permanent financing for custom home building projects across our service areas. Our specialized loans cover land acquisition, construction phases, and permanent financing. With dedicated support throughout the building process, we help clients transform architectural visions into reality while managing financial risks effectively.
Refinance Options
Our comprehensive refinance programs help homeowners reduce payments, access equity, or adjust loan terms. We offer conventional refinancing, cash-out options, and streamline processes for existing government loans. Our team analyzes current market conditions to help clients determine optimal timing for refinancing decisions.
Alt-Doc Loans
We provide alternative documentation loans for self-employed individuals and non-traditional income scenarios. These specialized programs accommodate various employment situations while maintaining compliance standards. Our experts help clients with complex financial profiles secure mortgage approval using innovative documentation approaches.
People
Steven Mangum
President
With over two decades of mortgage industry experience, Steven founded Pacific Home Loans to combine brokerage expertise with banking capabilities. He leads our team of licensed professionals across nine states, maintaining our core values of transparency and customer focus.
Ginni Madsen
Executive Vice President
As a seasoned mortgage professional with NMLS #1078414, Ginni specializes in Hawaii and West Coast markets. Her expertise in complex loan scenarios helps clients navigate unique financing challenges across multiple states.
Ryan Hertz
Loan Officer
Licensed in eight states, Ryan brings specialized knowledge of VA loans and investment property financing. His team-oriented approach ensures clients receive comprehensive support throughout the mortgage process.
Keith Holland
Loan Officer
With extensive experience in Hawaii and California markets, Keith provides expert guidance on construction loans and land financing. His local market knowledge benefits clients seeking specialized mortgage solutions.
Tommy Leigh
Loan Officer
Licensed across seven states, Tommy specializes in helping first-time homebuyers and investors. His expertise spans conventional, FHA, and jumbo loan programs with a focus on Nevada and Arizona markets.
Questions
How do I get pre-approved for a home loan?
Our pre-approval process requires income verification, employment history, and financial documentation. Our loan officers guide you through submitting these materials to determine your eligible loan amount.
Which areas do you cover?
We offer home loans in Arizona, California, Colorado, Hawaii, Nevada, Oregon, Texas, Washington, and Montana with locally knowledgeable teams in each region.
What documents are needed for a mortgage application?
Typical requirements include proof of income, tax returns, bank statements, and government ID. Your loan officer will provide a customized checklist based on your specific loan program.
How much should I budget for closing costs?
Closing costs generally range from 2-5% of the purchase price. We provide detailed Loan Estimates showing all anticipated fees and charges during the application process.
Do you charge application fees?
No, we do not charge upfront fees or application costs. Our transparent process allows you to begin without initial expenses.
Can I refinance my mortgage?
Yes, we offer multiple refinance options to help lower payments, reduce interest rates, or access home equity. Our team evaluates your current loan terms to determine the best approach.