Reverse Mortgage Company in Kailua, Hawaii
Meet Percy Ihara
Percy Ihara
Reverse Mortgage Specialist
NMLS #582944
(808) 234-3117
Kailua, Hawaii Reverse Mortgage Broker
Percy Ihara and C2 Financial are one of the best teams to talk with about a reverse mortgage in Kailua, 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.
Over the last 12 months, the average houses prices in Kailua have slightly increased by 0.4% to $1,530,716 (https://www.zillow.com/home-values/396491/kailua-hi/).
There are 1157 people in the Kailua area who are already taking advantage of a reverse mortgage with 44 of them having acquired one in the last 12 months*.
About Kailua, Hawaii
Kailua, Hawaii, is a breathtaking beach town located on the windward side of Oahu, known for its turquoise waters, lush landscapes, and relaxed island atmosphere. Often considered one of the most beautiful communities in Hawaii, Kailua offers a peaceful coastal lifestyle while still being within easy reach of Honolulu. With its strong sense of community, outdoor recreation, and stunning scenery, Kailua is a truly special place to call home.
At the heart of Kailua is its world-famous shoreline. Kailua Beach Park is celebrated for its soft white sand, crystal-clear water, and ideal conditions for kayaking, paddleboarding, and windsurfing. Nearby Lanikai Beach is frequently ranked among the best beaches in the world, offering postcard-worthy views of the Mokulua Islands just offshore. Residents enjoy spending their days outdoors, whether it’s hiking the Lanikai Pillbox Trail, biking through scenic neighborhoods, or simply enjoying the warm ocean breeze.
Kailua also features a charming downtown filled with local boutiques, cafés, restaurants, and farmers markets that reflect the laid-back spirit of island life. The community values sustainability, wellness, and connection, creating a welcoming atmosphere for families, retirees, and professionals alike. Despite its popularity as a destination, Kailua has maintained its small-town feel and close-knit culture.
Nature is woven into everyday life in Kailua. From the nearby Ko?olau mountain range to the calm waters of Kaneohe Bay, the area offers endless opportunities to experience Hawaii’s natural beauty. Residents appreciate the balance between tranquility and convenience, with access to excellent schools, healthcare, and outdoor activities year-round.
As a reverse mortgage loan officer serving Kailua, I help homeowners explore financial solutions that allow them to enjoy retirement with greater flexibility and peace of mind. Whether you’re looking to access your home equity, eliminate monthly mortgage payments, or remain comfortably in the home you love, I provide personalized guidance tailored to your goals. In a place as beautiful and serene as Kailua, your retirement should be every bit as rewarding as the lifestyle that surrounds you.
Contact your Kailua 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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