Steven Mangum

NMLS# 263952

Born and raised in California, it was Hawaii’s year-round surf and sun that lured Steven Mangum to Maui after beginning his mortgage career in 2003. His experience with a fast-growing Irvine, California brokerage firm served him well as he landed a management position in 2004 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 the many changes in the mortgage industry.

Consistently a top residential mortgage producer, Steven has closed more than 1,500 home loans in Hawaii and California. He believes in the importance of always being readily available to his clients and serving them with the highest level of expertise. He maintains his NMLS (Nationwide Mortgage Licensing System) license which requires rigorous testing and continuous education in addition to background and credit checks. Steven also remains an active member of both the National Association of Mortgage Brokers (NAMB) and the Hawaii Association of Mortgage Brokers (HAMB), attending conferences and classes to keep him at the forefront of the trends in the mortgage industry.

Do you have a question regarding:

  • Loan programs
  • Prevailing interest rates for portfolio loans
  • Unique loan scenarios

Please email or call (949) 494-4861 to schedule a phone or office meeting with me.

It was a pleasure working with Steven and his team…They exceeded all of our expectations from the pre-qualification process to the final loan approval. We would definitely use Steven again and strongly recommend anyone considering a financed home purchase to speak with Steven to discuss the multiple financing options that Steven has available. Steven was always available to us when we had questions and his team patiently guided us each step of the way. If you value education, communication and accountability, Steven and his team won’t disappoint. We truly felt like we were their most important client. Thank you Steven! You were an instrumental part in us purchasing our dream home.
Robyn C., 7/4/2018
Steve was fabulous! He helped beyond our expectations.
His staff always responded immediately to our questions and concerns and were very knowledgable about all of our concerns. Incredibly short closing period.
Joe F., 6/22/2018

Wow! Steven and his team are the BEST! They made a potential stressful process easy and worry-free! Having a knowledgeable team on your side is the only way to go. They kept us informed and updated all along the way and answered our many questions with patience and kindness. A huge mahalo to the entire staff!

Sue G., 5/10/2018
…we were able to close on our new home with guidance and expertise throughout the process. Steven and his team are on it & very experienced. Thank you…
Yve K., 1/25/2018
Steve, Janelle and the rest of the team…were an absolute pleasure to deal with. No question was left unanswered and the speed with which emails were answered was amazing. If you are looking for a home loan or refi – these are the people you want to work with. They truly understand the meaning of customer service!
Mari S., 1/5/18
Very impressed! Expertise and excellent customer service.
Kevin R., 8/31/17
I just purchased a condo for investment with a loan…Even though it was a small loan, Steven and his staff were extremely helpful. They got me a good rate, communicated clearly and efficiently, and were pleasant and helpful throughout the process. They were recommended to me by a friend and I recommend them highly. Very professional and caring.
Emily G.
Steven…and team are truely amazing and it’s been an absolute pleasure working with you. I…will highly recommend you to my friends and family.You guys are all true ROCKSTARS! MAHALO NUI LOA.
Craig H., 11/6/18
They have provided nothing but top notch professional service. Working with Janelle and Steven was a blessing. They went above and beyond all expectations. They did everything in their power to get us the best rate possible. Their work ethics unmatched, selfless service, attention to detail and genuine care for the client was on display from start to finish. I look forward to doing business with them in the future.
Joshua R., 10/16/18
What a great experience it was working with Steven and his team of professionals…We knew from the beginning that our loan would be challenging, but his entire office stayed on top of it and were able to get us approved! From the beginning our Loan Officer Steven, was professional and attentive. He was available to answer all of our questions and kept us informed through every step of the home buying process. In the end he and his staff pulled off an early closing for us!! We are truly grateful they made the dream of home ownership come true for our family! Thank you, Pacific Home Loans!
Cindy and Joe, 10/15/18
Thank you so very much for all of your help in securing our loan for our new home here on Maui. You…were very organized, thorough and professional, which made all of the difference in our interactions with you. We put our trust in you and you most definitely came through for us. Steven went out of his way to make sure we got the best available loan at the lowest possible rate.
michaeljwalters, 10/7/18
Working with Steve and his team…was beyond perfect. This was hands down the easiest property transaction I have ever made. They were prompt, professional and implement the latest communication tools to make everything go smoothly. Using PDF files, Dropbox and Docusign they took all the hassle out of a long distance purchase. I will definitely use them again!
mikaelstewart, 7/19/18
As a healthcare administrator for many years, I am fully aware of the fear, anxiety, and foreign feeling of being in the hospital. Much like buying a house! The emails, documents, and language agents and lenders speak can be overwhelmingly exhausting. Steven and his team took the time to walk me through the process and explain everything in a manner that made sense to me. No hidden fees or agendas, just straight simple talk. I would highly recommend…to anyone seeking a lender for a home loan. It’s refreshing to know you have someone in your corner during a stressful time!
Vic C., 7/12/18
We had such a great first experience a few years back with Steven and Janelle…and the crew that we came back for another mortgage! Once again, they were always courteous, very fast to reply (even through the busy holiday season) and made the process so easy and smooth from start to finish. We obviously would use them again (as we are already repeat clients) and we recommend them to our friends and family. Mahalo nui loa!
Heather B., 1/11/18
Steven Mangum…has been absolutely amazing!
He educated & walked us through each step of procuring our Home Equity Conversion Mortgage, the new HUD reverse mortgage program. Although he knew at onset that this would be a challenge, he met it like a pro and closed the loan! The thorough research of his team even saved the deal after being given incorrect info from our HOA mgt company!
Calls were promptly returned and he went the extra mile to accommodate our schedule by holding a weekend conference call with us. Steven’s patient presence from beginning to end resulted in achieving our goal: We now can live in our home as long as we need/choose with sufficient fund$ to meet our living expenses.
We highly recommend him to our family and friends for all their mortgage needs!
Iwalani G., 1/4/18

Got me my construction loan (which I thought would be impossible), and about to fund my cash-out refi at a great rate. Love these folks.

James Q., 8/31/17
Super loan service, give Steve a call. They do a great job!
Robert V., 8/30/17
A most heartfelt thank you for everything Steven did for us to make this loan happen. I am so very grateful for for your expertise and knowledge on the type of loan we needed to close this deal. It’s been years since our first contact, but I am so glad I finally decided to go with you to assist us through our first Hawaii home purchase. We will definitely keep in touch. We are beyond excited about this unbelievable transaction.
Jenny G., 4/20/17
Steven and his team helped me secure a land loan to purchase a piece of property on Maui. Steven and his team are outstanding. My wife and I are looking forward to building our home soon and will be using

to arrange our construction-to-perm loan. I give Steven and company my highest endorsement!

Tom C., Your Content Goes Here
I’ve worked with Steven and his staff on two different loans on vacation properties, and they were super nice, knowledgeable, helpful, and efficient. Lawful home lending involves filling out mountains of paperwork, but they helped me every step of the way and promptly answered my questions. They only let you borrow what you can afford and match you up with the best loan for your situation. Also, I like the fact that they are very security minded with multiple safeguards protecting your private information. Like the previous reviewer, I highly recommend them.
Amy B.
I recently did a refinance on my home…Steven and his team…were great to work with. They made the process very easy and stress free. I highly recommend…
Chris M.
I highly recommend Steven…This can be a long and confusing process but they simplify it as much as possible for the client. They are professional, honest and efficient! I got the best rate possible, better than anyone else I spoke with, and they were very communicative throughout the process. Whether you want to refi or get a home loan, this is the best company to go with, no question.
Sarah M.
Steve and his staff were great. I thought Janelle did a super job making sure everything was done on time. Would definitely recommend them needing a loan.
user372010157, 01/11/2019
What a breeze! And so appropriate as I was purchasing a condo on Maui…Cool ocean breeze, lovely sunsets…but I digress. First let me say that numbers, legalese and paperwork is NOT my forte. I will admit that the original email Steven sent me looked daunting, but I really wanted to make this purchase and move to my dream location. I opted to just go into the office and meet him. He was so patient, and explained everything. And a BIG shout out to Janelle…she is awesome. Considering we did all this in a mere 5 weeks, start to finish, and that included Christmas and New Years, I would highly recommend…
Karyn W., 1/29/2019
The team…are absolutely incredible to work with. They were very patient and thorough in explaining the mortgage process to us as we are first-time homebuyers and were amazingly efficient and accurate as to their proposed timeline and what would happen, when. I felt very comfortable and confident using their services and I would highly recommend them to anyone looking for a mortgage broker. Thank you so much for helping us get into our first home. We are over the moon!
Nicole D., 12/15/2017
Delighted! Steven and his team made the process for obtaining a second home loan so simple and straight forward. They finished all the documents early and ensured a very smooth closing. Thank you Steven and Janelle!
asv1111, 1/31/2019
The team…was wonderful! My situation was challenging and they made it all happen in a timely manner. Great communication at every stage of the process, support and suggestions in getting documentation needed and the loan itself was a very good one! I’ve been in real estate for over 40 years and I can honestly say this company is the best I’ve ever worked with. I’d recommend them to anyone and would certainly work with them again.
Susan W., 3/10/2019