

Take Charge of Financing Your Dream Home on the Hawaiian Islands
Hawaii VA Loans – Oahu

Discover How VA Loans Can Finance Your Dream Home
Let Elias Halvorson and the C2 Financial Corporation team help you navigate the process of Hawaii VA Loans. And discover your ideal new home in the Hawaiian Islands with our professional home loan team on Oahu. They are dedicated to finding you a great VA loan that will fit your needs. Moreover, Elias brings his expertise and local knowledge to guide you through the Hawaii VA Loans process. He tailors the home loan to suit your or your family’s needs. Working with Elias ensures that you have a lifelong partner in Hawai’i Nei.
Specialized Hawaii Home Loans For Veterans
In addition, Elias Halvorson is committed to creating specialized Hawaii VA Loans for military members, both past and present. He and the C2 Financial Team initiate the process of designing these specialized veteran home mortgages by assessing service member eligibility. As an expert in Hawaii VA Loans, Elias can provide you with the resources and steps necessary to receive a Certificate of Eligibility. Contact Elias today to learn more about how to qualify for a home mortgage through the Department of Veterans Affairs.


Hawaii VA Loans For Refinancing Your Home
Refinance your home in Hawaii with one of several VA loan programs. Eligible veteran homeowners can access the Interest Rate Reduction Refinance Loan if approved. The IRRRL allows qualified homeowners to reduce the interest rate on their mortgages. Furthermore, additional programs such as the rate/term and VA cash-out options allow homeowners to borrow cash using their home’s equity.
Understanding Hawaii VA Loans Interest Rates
Hawaii VA Loans offer competitive interest rates that depend on various factors, such as market fluctuation, credit scores, location, down payment, and the cost of the home. For qualified veteran homebuyers, these Hawaii VA Loans provide access to interest rates generally below the national average. As a result of these lower rates, eligible homebuyers utilizing the VA home loan program benefit from having increased purchasing power.


Hawaii VA Loans Limit For Eligible Veterans
The Department of Veterans Affairs sets the loan limits for Hawaii. A Hawaii VA Loan Limit is the maximum amount a qualified veteran can borrow without being required to place a down payment on a home in Hawaii. These limits can vary depending on what island and county the property location is.

Serving military veterans and their families across all of the Hawaiian Islands
VA Loan Officer - Elias Halvorson
Father

Guided by the principle of “Family First, Always,” Elias’ 13-year U.S. Air Force career led him to work with C2 Financial as a VA Mortgage Broker. In addition, Elias and his family enjoy taking advantage of the island of O’ahu. It offers hiking, swimming, shooting hoops at the park, and spending time at the beach with friends.
Veteran

As a military veteran, Elias enjoys working with all clients but particularly enjoys helping military members and veterans with their financing needs. He is also still serving and has PCS’d 5 times himself. Elias understands the difficulties of a move and works to ensure the loan process is as stress-free as possible.
VA Loan Specialist

Elias has over 10 years of experience in Financial Management and diverse working experience leading a Finance Services office. Managing over $1.5 billion in aid and reconstruction funds in Afghanistan. As a result, his experience ensures he will work hard to save you as much money as possible on one of life’s most significant purchases.
Want to learn more about our VA Home Loan Hawaii?
Our Loan Education and Resource Center provides clients the information they need to make an informed decision. Allow Elias walk you through the process, and help you calculate your VA loan, fees, and closing costs.
What People Are Saying about Elias.
Karelle S. Property Manager2025-04-17Trustindex verifies that the original source of the review is Google. If you need someone who is trustworthy, responsive, and knowledgeable, look no further than Elias. This mortgage expert truly went above and beyond, advising on the lowest rate options which ultimately resulted in saving $10,000 in closing costs for our purchase. Throughout the process, he gave me excellent advice on interest rates, and his great communication put me at ease every step of the way. I highly recommend him if you want an honest mortgage broker you can count on. Adam Roth2025-04-14Trustindex verifies that the original source of the review is Google. I can’t say enough great things about working with Elias. He’s an honest mortgage broker who really looks out for his clients. He advised me to refinance my home in another state and use the money to pay cash for my Hawaii property, vice two transactions which would’ve cost 10-15K extra in escrow and bank fees. That insight saved me a ton of $$$ and allowed me to secure a lower interest rates. He’s an absolute expert in his field, and his great communication made every step easier than I ever imagined. Ryan Bickley2025-04-10Trustindex verifies that the original source of the review is Google. Elias was awesome throughout our homebuying process. I felt like he was a very honest and upfront mortgage broker that really helped us get the lowest rate for our VA loan. I appreciated his thorough knowledge of VA loans, and that he's a veteran himself. He really seemed to go the extra mile to get us the lowest interest rate and closing costs, and he was always available to answer our questions, no matter how silly. I would definitely work with Elias again! DAVIS POGOSIAN2025-03-31Trustindex verifies that the original source of the review is Google. I had a very positive experience working with Eli. As a freshly separated Marine Corps veteran who was moving to Hawaii. I was in need of a trustworthy expert on the VA loan. Eli, who is a veteran himself, was able to work at lightning speed to get me the best rate amongst all of the lenders I worked with. And he was able to do so effectively and efficiently while explaining the entire process to a first-time home buyer. To have someone who is dedicated to his role and the knowledge required to be at the top of his trade made the entire home buying process a breeze. Eli is the best at what he does hands down. I will certainly be working with Eli again due to his professionalism, extensive knowledge of financing options (particularly the VA loan) and his overall ability to work and get things done fast and right. Zachariah Tallman2025-03-19Trustindex verifies that the original source of the review is Google. An expert on VA loans, Eli helped educate me on every aspect of the process and actively pursued significant savings. A go-to for anyone looking in Hawai'i, you won't be let down. Adam Sabala2024-12-31Trustindex verifies that the original source of the review is Google. I can’t recommend this VA loan specialist enough! After working together for nearly two years, I’m incredibly grateful for the patience, guidance, and unwavering support this honest mortgage broker provided throughout the entire process. Not only did he thoroughly explain every step of my VA loan options, he made sure I secured a great interest rate that worked for my budget and long-term financial goals. His depth of knowledge about VA loans and genuine commitment to veteran clients truly set him apart from other brokers I’ve encountered. If you’re looking for a reliable, responsive, and dedicated professional, look no further—Elias is your guy! Marilyn Sanchez2024-08-26Trustindex verifies that the original source of the review is Google. Elias is an honest mortgage broker who tirelessly strives to get his clients lower than market interest rates while delivering exceptional service. While known for being a Hawaii VA loan specialist, we worked together on a DSCR loan and he crushed it. 5 stars and more!!!! Andy Duckworth2024-08-11Trustindex verifies that the original source of the review is Google. Elias is an exceptional person & veteran & also an expert in VA loans serving vets and active military on the home front helping them to better understand their hard earned VA home loan benefit. I would highly recommend him. Seth Hunter2024-08-08Trustindex verifies that the original source of the review is Google. Elias is super knowledgeable and told me everything I needed to know on getting my loan started. No pressure just facts. Well connected and knows what he’s talking about. Thanks a lot for your service and your knowledge! G Rod2024-08-05Trustindex verifies that the original source of the review is Google. Elias is the “Go to” VA Loan Expert! He is extremely knowledgeable and has an abundance of patience. He will not steer you wrong!
Get in touch.

Elias Halvorson | Mortgage Officer
Contact: +1 808.517.6416
Email: moc.yugnaolavehtile@ile
Address: 500 Ala Moana Blvd, Suite 7400, Honolulu, HI 96813


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The Hawaii VA Loans Guide
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This licensee is performing acts for which a real estate, consumer loan, or mortgage license is required. C2 Financial Corporation is licensed by the Washington DFI# MB-135622; Hawaii Department of Financial Institutions, Broker# HI-135622; NMLS# 135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the states of HI and WA. As a broker, C2 Financial Corporation is NOT approved by the FHA or HUD, but C2 Financial Corporation is allowed to originate FHA loans based on their relationships with FHA approved lenders.
About Elias Halvorson
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HI Individual NMLS#1697041
HI Branch NMLS#1244222
WA #MLO-1697041
WA #MB-135622