Real Estate Investment Solutions

We invest a substantial portion of our assets in commercial mortgage loans. Unlike many traditional life companies, you may call directly and negotiate loan terms. A typical Pacific Guardian Life loan is secured by an apartment, retail, industrial, or office building located in Hawaii or Guam. We have a reputation for quick professional decisions, quality service, and competitive rates. We’re looking for real estate investors with solid credit and financials who are interested in purchasing new property or refinancing existing loans. Please call or email us today if we can be of service to you.

Our Commercial First Mortgage Loan Offerings

  • Loan amount: $250K to $5M
  • Amortization period: Up to 30 years
  • Rate: Variable or 10–15-year fixed, locked at commitment with a required loan fee
  • Structure: U.S. T-note rate + 225-300 bp + other variables
  • Prepayment penalty: 2% on prepaid amount or yield maintenance formula (open to negotiation)
  • Types of investors: U.S. brokers (and other lenders or investors through existing loan purchase and participation)

Our Minimum Loan Requirements

  • Maximum 75% loan to appraised value
  • Minimum debt service coverage ratio of at least 1.15:1
  • Environmental questionnaire completion
  • Possible Phase l assessment
  • Personal guarantees

Contact Us

H. Brian Moore

Senior Vice President
Phone: (808) 942-1350
Email: [email protected]

David Soong

Assistant Vice President
Phone: (808) 942-1353
Email: [email protected]

Real Estate Investment Office
Pacific Guardian Center
737 Bishop Street
Mauka Tower, Suite 1600
Honolulu, HI 96813
(808) 942-1351