Reverse Mortgage Company in Honolulu, Hawaii
Meet Percy Ihara
Percy Ihara
Reverse Mortgage Specialist
NMLS #582944
(808) 234-3117
Honolulu, Hawaii Reverse Mortgage Broker
Percy Ihara and C2 Financial are one of the best teams to talk with about a reverse mortgage in Honolulu, from Kapolei to Pearl City or anywhere on O’ahu.
Percy is a mortgage industry veteran of more than 37 years and one of Hawaii’s most respected authorities on reverse mortgages.
He has been dedicated to educating Hawaii’s seniors – as well as legal, financial and healthcare professionals – about aging in place for more than two decades and how a well structured reverse mortgage can help seniors maintain financial stability and independence.
As a reverse mortgage specialist with C2 Financial, one of the largest and most trusted mortgage brokerages in the state, Percy leverages C2’s resources to provide exceptional service, personalized guidance and access to a wide range of lending solutions for Hawaii’s kupuna and their families.
Percy is also well known as the former publisher and editor of the award-winning Generations magazine, Hawaii’s only multi-platform media resource dedicated exclusively to seniors.
Generations has served the community through its print publications, radio shows and podcasts, webinars and comprehensive online resource center offering trusted information on senior services, caregiving, health, finance and more.
Percy also founded the very popular Generations annual ‘Aging in Place’ workshop, a signature Hawaii event attended by baby boomers and their parents that provides trusted, practical information on navigating its challenges covering housing, caregiving, health, finance and community resources.
He also serves as the executive director of Akamai Seniors, a non-profit that delivers workshops on aging, health and practical strategies to live well throughout life’s sunset years.
With his decades of experience, trusted reputation and deep commitment to senior advocacy, Percy Ihara is one of Hawaii’s leading reverse mortgage specialists and now proudly serves clients, backed by the vast resources of C2 Financial.
What is a reverse mortgage?
A reverse mortgage is widely misunderstood which is a great pity because it is one of the most powerful loan products available and tailored specifically towards seniors with a preference for aging in place.
In particular, it benefits retirees who have equity in their home but are running low on cash and struggling to cope with the ever rising cost of living.
A reverse mortgage is genial because it reverses the flow of loan payments from the bank back into your pocket.
It effectively creates a brand new income stream which affords retirees the ability to remain at home while easing their financial stresses.
As long as you are at least 62 years of age, you can apply for this loan with approved applicants able to breathe easily, knowing their financial future is secure.
It means any unsavory thoughts about having to sell the family home just to put food on the table will forever vanish.
Instead, seniors will be able to afford all of life’s little luxuries they may have forgone like fancy dinners, vacations, home improvements and spoiling their beloved family.
Homeowners can access funds in a number of different ways including a lump sum payment, monthly installments, a line of credit or a combination of all three.
As long as the terms of the loan are met, there is no need to repay it until either the homeowner sells the residence or the last surviving borrower passes away.
Honolulu home prices have held firm over the last three years after a meteoric rise between July, 2020 and July, 2022 which saw them jump 22.7% in just 24 months.
By April, 2026, the average house in Honolulu was worth $768,465 (https://www.zillow.com/home-values/18615/honolulu-hi/).
There are 950 people in the Honolulu area who are already taking advantage of a reverse mortgage with 35 of them having acquired one in the last 12 months*.
About Honolulu, Hawaii
According to Hawaiian legend, a settlement known as Honolulu existed as early as 1100.
It even appeared on some early maps as “Honorourou”.
The name of the Hawaiian capital means “sheltered bay” or “fair harbor”.
The small village of Kou adopted the name and by 1845, King Kamehameha III designated Honolulu as the seat of government, ceding Lahaina.
It had already become a regular stop for shipping routes by the latter part of the 18th century.
But it wasn’t until the bombing of Pearl Harbor on December 7, 1941 that Honolulu was forever etched into history.
It has remained an important strategic military post as well as a Pacific business hub ever since.
The city enjoyed the bulk of its population explosion in the first half of the 20th century and now has a population of around 350,000 with a further 120,000 visitors flooding the streets and beaches on any given day.
The USS Arizona Memorial at Pearl Harbor remains one of Honolulu’s leading tourist attractions along with the iconic Diamond Head volcanic cone.
The city is the only one in the United States that is home to a royal palace – Iolani Palace was the former home of the Hawaiian monarchy until it was overthrown in 1893.
Honolulu is also home to 33 Buddhist temples.
Contact your Honolulu reverse mortgage lender today.
Percy and his team at C2 are keen to talk with anyone who thinks a reverse mortgage could potentially benefit them.
Please give Percy a call at (808) 234-3117 and he will be delighted to offer you a no obligation assessment of your position.
*As of April 2026
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