Reverse Mortgage Company in Kapolei, Hawaii
Meet Percy Ihara
Percy Ihara
Reverse Mortgage Specialist
NMLS #582944
(808) 234-3117
Kapolei, Hawaii Reverse Mortgage Broker
Percy Ihara and C2 Financial are one of the best teams to talk with about a reverse mortgage in Kapolei, from Kailua 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 Kapolei have slightly increased by 0.2% to $846,784 (https://www.zillow.com/home-values/45983/kapolei-hi/).
There are 915 people in the Kapolei area who are already taking advantage of a reverse mortgage with 35 of them having acquired one in the last 12 months*.
About Kapolei, Hawaii
Kapolei, Hawaii, is one of Oahu’s fastest-growing and most vibrant communities, often referred to as the “Second City” of Hawaii. Located on the island’s sunny west side, Kapolei offers a modern suburban lifestyle with beautiful weather, expanding amenities, and easy access to some of Hawaii’s most stunning beaches. With thoughtfully planned neighborhoods, shopping centers, and recreational opportunities, Kapolei has become a highly desirable place to live for families, professionals, and retirees alike.
The city is known for its newer developments and family-friendly atmosphere. Residents enjoy convenient access to shopping and entertainment at Ka Makana Ali‘i, one of Oahu’s premier shopping destinations featuring restaurants, boutiques, and community events. Kapolei also boasts numerous parks, golf courses, and recreational facilities, creating plenty of opportunities to stay active and connected to the outdoors.
One of Kapolei’s biggest draws is its proximity to Hawaii’s famous west coast beaches. Just a short drive away are Ko Olina’s beautiful lagoons, white sand beaches, and luxury resorts, offering a perfect setting for swimming, snorkeling, and sunset walks along the ocean. The area also provides easy access to hiking trails, water activities, and scenic coastal views that make island living so unique.
Kapolei continues to grow as a business and residential hub, with expanding healthcare facilities, schools, and local businesses contributing to the city’s long-term appeal. While modern and rapidly developing, the community still maintains the welcoming spirit and laid-back lifestyle that Hawaii is known for.
As a reverse mortgage loan officer serving Kapolei, I help homeowners explore ways to use their home equity to create greater financial flexibility and security during retirement. Whether you’re looking to stay in your home, supplement your income, or simply enjoy more peace of mind, I provide personalized guidance tailored to your needs. In a growing and beautiful community like Kapolei, your home can play an important role in building the retirement lifestyle you deserve.
Contact your Kapolei 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 May 2026
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