Business Page
Elias Halvorson C2 Hawaii NMLS#1697041HI Branch NMLS#1244222
Lender
5.0 stars
85 Reviews
Markets served
Hawaii
Washington
Hawaii
Licenses
Company NMLS
#1244222
Additional info available at the
NMLS consumer access website
Additional Licenses & Information
HI Individual NMLS#1697041 HI Branch NMLS#1244222 WA #MLO-1697041 WA #MB-135622
About us
Seasoned mortgage broker in Hawaii with 15 years of experience in the financial industry, specializing in VA, conventional, and investment loans at ultra-competitive interest rates. Military veteran who brings a unique perspective offering tailored financial solutions which address the specific needs of fellow veterans and or any other clients. Expertise extends to guiding first-time homebuyers and investors through complex loan processes, ensuring a smooth and transparent experience. Dedicated to service and excellence, while committed to helping his clients achieve their financial goals through personalized mortgage strategies. Awarded 2022 & 2023 National Association of Mortgage Brokers Top Veteran Lender. Creator of Annual "Veterans of Hawaii" scholarship providing 6 scholarships per year to veterans or military families.
Specialties
Conventional & Gov.
Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Refinance (primary home)
Hard/Private/Non-QM
DSCR (long-term rental)
DSCR (short-term rental)
Foreign National Loan
Refinance (investment)
Reviews (85)
5.0 stars
85 Reviews
5.0 stars
85 Reviews
0.0 star
0 Reviews
5.0 stars
3 weeks ago
Reviewed by
Jessica Simpson
Elías was very helpful and a played a key role in helping me become a first time home owner. He’s very knowledgeable and passionate about his job. Elias, thank you for helping me through this process and making my first homeowner experience as smooth as possible.
5.0 stars
a month ago
Reviewed by
Rachael Tiow
Can't say enough awesome things about Elias.
Professional. Effective. Swift Responses. And, knows the numbers!
Also transparent with his pricing.
I was shopping between 3 loan brokers and it was clear to me that Elias is my go to guy! The other 2 couldn't explain to me how they numbers work and more importantly, how the numbers work in my favor.
5.0 stars
4 months ago
Reviewed by
Orry Pounders
Elias is 100% without a doubt my mortgage loan officer in Hawaii. Whether on Oahu, Maui, or any of the other islands, Elias makes the process really simple, very fast, and stress free. I cannot speak highly enough about him!
5.0 stars
6 months ago
Reviewed by
Tim Guasco
I bought a house in the Spokane, WA area about a year and a half ago. With interest rates dropping I thought now was the time to save a little money. I was about to go with my original lenders, but then Elias showed up like some kind of mortgage wizard and casually beat my original lender's rate like it owed him lunch money. Seriously, Elias didn't just help, he dominated my refinance. He found me a lower rate and saved me an EXTRA $2k per year compared to the other guys. Total savings of $8k annually. He explained everything clearly, handled the paperwork like a pro, and made the process way less painful than I expected. He was on the ball!
If you enjoy keeping more of your own money (and honestly, who doesn't), talk to Elias. My old lender tried...Elias delivered.
Would refinance again. Definitely recommend him to friends. Recommend the other guys to enemies.
5.0 stars
7 months ago
Reviewed by
Kahana Naluai
Elias Halvorson at C2 Financial Hawai‘i Division is an outstanding Hawaii VA loan specialist and truly an honest broker. As a Veteran, I appreciated how clearly he explained every step and how hard he worked to secure low VA rates, low interest rates, and low closing costs. His professionalism and expertise as a mortgage broker made the entire Hawaii VA Loan process smooth and stress‑free. Highly recommend Elias to any Veteran or homebuyer in Hawai‘i.
5.0 stars
8 months ago
Reviewed by
Marjorie Sulse
I used my VA loan to purchase my first home in Oahu, and working with Elias made the entire process straightforward and stress‑free. He consistently secured one of the lowest VA loan interest rates I found and even recommended a real estate agent that saved me a significant amount on closing costs. It was clear from the beginning that he’s a true VA loan expert.
What stood out most was his honesty and low‑pressure approach. As a first‑time homebuyer, I had a lot of questions, and he explained every step clearly without ever pushing me toward anything that didn’t fit my situation.
Elias is the kind of lender who actually earns your trust — responsive, knowledgeable, honest, and genuinely committed to helping veterans get the best possible outcome. I’d recommend him without hesitation to anyone using a VA loan.
5.0 stars
9 months ago
Reviewed by
Bo Conroy
After working with 5 different loan officers in the past, I can definitely say Elias is the best loan officer I’ve worked with. He was a venerable VA loan expert who was able to nail down the best interest rates that were way ahead of others. If you’re looking for an honest mortgage broker who will bring knowledge, customer service and savings, you can look no further.
5.0 stars
a year ago
Reviewed by
Tom Kosar
Elias is the absolute best Hawai’i VA Loan specialist. If you are active duty or a veteran looking for a home in Hawaii, look no further. Elias guided us every step of the way and was able to get our interest rate dropped by 0.375% between our offer being accepted and the time we closed. The most honest broker I have ever encountered. Elias did everything to help make our home buying experience seamless.
5.0 stars
3 weeks ago
Reviewed by
Jessica Simpson
Elías was very helpful and a played a key role in helping me become a first time home owner. He’s very knowledgeable and passionate about his job. Elias, thank you for helping me through this process and making my first homeowner experience as smooth as possible.
5.0 stars
a month ago
Reviewed by
Rachael Tiow
Can't say enough awesome things about Elias.
Professional. Effective. Swift Responses. And, knows the numbers!
Also transparent with his pricing.
I was shopping between 3 loan brokers and it was clear to me that Elias is my go to guy! The other 2 couldn't explain to me how they numbers work and more importantly, how the numbers work in my favor.
5.0 stars
4 months ago
Reviewed by
Orry Pounders
Elias is 100% without a doubt my mortgage loan officer in Hawaii. Whether on Oahu, Maui, or any of the other islands, Elias makes the process really simple, very fast, and stress free. I cannot speak highly enough about him!
5.0 stars
6 months ago
Reviewed by
Tim Guasco
I bought a house in the Spokane, WA area about a year and a half ago. With interest rates dropping I thought now was the time to save a little money. I was about to go with my original lenders, but then Elias showed up like some kind of mortgage wizard and casually beat my original lender's rate like it owed him lunch money. Seriously, Elias didn't just help, he dominated my refinance. He found me a lower rate and saved me an EXTRA $2k per year compared to the other guys. Total savings of $8k annually. He explained everything clearly, handled the paperwork like a pro, and made the process way less painful than I expected. He was on the ball!
If you enjoy keeping more of your own money (and honestly, who doesn't), talk to Elias. My old lender tried...Elias delivered.
Would refinance again. Definitely recommend him to friends. Recommend the other guys to enemies.
5.0 stars
7 months ago
Reviewed by
Kahana Naluai
Elias Halvorson at C2 Financial Hawai‘i Division is an outstanding Hawaii VA loan specialist and truly an honest broker. As a Veteran, I appreciated how clearly he explained every step and how hard he worked to secure low VA rates, low interest rates, and low closing costs. His professionalism and expertise as a mortgage broker made the entire Hawaii VA Loan process smooth and stress‑free. Highly recommend Elias to any Veteran or homebuyer in Hawai‘i.
5.0 stars
8 months ago
Reviewed by
Marjorie Sulse
I used my VA loan to purchase my first home in Oahu, and working with Elias made the entire process straightforward and stress‑free. He consistently secured one of the lowest VA loan interest rates I found and even recommended a real estate agent that saved me a significant amount on closing costs. It was clear from the beginning that he’s a true VA loan expert.
What stood out most was his honesty and low‑pressure approach. As a first‑time homebuyer, I had a lot of questions, and he explained every step clearly without ever pushing me toward anything that didn’t fit my situation.
Elias is the kind of lender who actually earns your trust — responsive, knowledgeable, honest, and genuinely committed to helping veterans get the best possible outcome. I’d recommend him without hesitation to anyone using a VA loan.
5.0 stars
9 months ago
Reviewed by
Bo Conroy
After working with 5 different loan officers in the past, I can definitely say Elias is the best loan officer I’ve worked with. He was a venerable VA loan expert who was able to nail down the best interest rates that were way ahead of others. If you’re looking for an honest mortgage broker who will bring knowledge, customer service and savings, you can look no further.
5.0 stars
a year ago
Reviewed by
Tom Kosar
Elias is the absolute best Hawai’i VA Loan specialist. If you are active duty or a veteran looking for a home in Hawaii, look no further. Elias guided us every step of the way and was able to get our interest rate dropped by 0.375% between our offer being accepted and the time we closed. The most honest broker I have ever encountered. Elias did everything to help make our home buying experience seamless.
