Portfolio Loans

Pacific Isle works with a number of lenders who offer portfolio loans. These are mortgage loans that are held by the lender and offer more alternatives to an array of non-traditional borrowers and/or properties. See examples below:

Jumbo Loans

A loan is considered a jumbo loan if it exceeds what is known as the conforming loan limit, which is $625,500.

Our mortgage lenders are familiar with the requirements of jumbo loans, often used to purchase large single-family homes, multi-family units and condos.

Land Loans

You have found the perfect piece of property. What type of land loan you will qualify for depends on the property as well as your plans for the land and the timing of expected construction. We are here to help you through that process.

Construction Loans

When you decide it’s time to build, choosing a construction loan that underwrites your entire project is ideal. This pulls together the construction financing and the permanent financing. That means one closing and one interest rate.


Condo-tels or condos that reside in resort areas, are familiar properties for our local mortgage lenders. We understand what you need to know and what a lender is looking for in financing your condo-tel.

Lava Zones 1 & 2

Pacific Isle Lending is one of the few local mortgage lenders still offering conventional financing for properties in Lava Zones 1 & 2.

Looking to finance a property in these areas? Choose the mortgage lenders with years of professional expertise lending in those locales.

We are the local lenders who understand the specific rules and regulations of Lava Zones 1 & 2.

Unique Properties & Situations

As a native of Hawaii, the founder of Pacific Isle has extensive knowledge of the land and its idiosyncrasies. Our home-buyers team is familiar with the financing alternatives for CPRs, Ohanas, farm dwellings, gentlemen farms and unpermitted square footage.

You find the property. Leave the financing to us.

Mortgage Calculator


Current Rates

Hawaii Mortgage Rates
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The displayed rates and calculator should be used only as a tool to give you a general idea of financing. Please contact our office for a customized quote using mortgage products that will meet your real estate needs.