Pacific Access Mortgage is a full-service mortgage broker for properties in the State of Hawaii and is conveniently located in Coldwell Banker Pacific Properties and ERA Signature Homes  offices.  We have broker relationships with various local banks and national lenders that allow us a diverse source of channels to find the best loan program to fit your needs.

With Central Pacific Bank and PHH Home Loans LLC each retaining 50% ownership of our company, we are able to offer a strong foundation that includes a highly experienced and knowledgeable sales and processing team.

Our borrowing process is fast, simple and hassle-free.  We have eliminated much of the paperwork involved in applying for a mortgage loan in the traditional manner.  With Pacific Access Mortgage, you can inquire about a loan through the Internet, over the telephone or by fax.  If you have any questions, our dedicated loan consultants will be happy to assist you. 

Our online mortgage approval system expedites the loan approval by accessing national underwriting guidelines and confirming the conditions required for loan approval.  You no longer need to provide the excessive information and documentation that was required under the traditional application process.  As a result, it is possible for a loan to close within 15 business days of receipt of the completed loan application and documentation (although we can't guarantee that every loan will close that quickly).

Our automated systems and streamlined mortgage process have created an extremely cost-efficient mortgage operation.  We produce big savings for borrowers by eliminating the high-commissioned loan officer, acquiring loan sources with low rates, origination fees, points, and other charges, as well as negotiating reduced fees for escrow, title insurance, appraisal, credit reporting and other mortgage services.

After submitting your loan application, a mortgage consultant will personally assist you through each step of the mortgage process by helping you meet your loan approval conditions through coordinating the signing of your closing documents.