Reverse Mortgage Company in Pearl City, Hawaii
Meet Percy Ihara
Percy Ihara
Reverse Mortgage Specialist
NMLS #582944
(808) 234-3117
Pearl City, Hawaii Reverse Mortgage Broker
Percy Ihara and C2 Financial are one of the best teams to talk with about a reverse mortgage in Pearl City, 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 house in Pearl City increased by 1.3% to $937,056 (https://www.zillow.com/home-values/56265/pearl-city-hi/).
There are 1323 people in the Pearl City area who are already taking advantage of a reverse mortgage with 45 of them having acquired one in the last 12 months*.
About Pearl City, Hawaii
Pearl City, Hawaii, is a welcoming and centrally located community on the island of Oahu, offering residents a laid-back lifestyle with convenient access to both Honolulu and the natural beauty that makes Hawaii so special. Situated along the northern shores of Pearl Harbor, Pearl City combines suburban comfort with island charm, making it a popular place for families, military personnel, and retirees alike.
One of Pearl City’s biggest advantages is its location. Residents enjoy easy access to Pearl Harbor, downtown Honolulu, and major highways while still being surrounded by quiet residential neighborhoods and scenic mountain views. The area is known for its strong sense of community, local shopping centers, and beautiful parks like Neal Blaisdell Park, which offers waterfront views, sports fields, walking paths, and picnic areas perfect for enjoying Hawaii’s year-round warm weather.
Pearl City also has deep historical roots tied to Pearl Harbor and Hawaii’s military heritage. The community developed alongside the growth of Oahu’s transportation and naval industries and continues to be closely connected to nearby military installations. At the same time, the area has grown into a vibrant residential community with schools, restaurants, shopping centers, and local businesses that serve generations of residents.
Outdoor living is a major part of life in Pearl City. Nearby hiking trails, lush ridgelines, and ocean access give residents endless opportunities to enjoy the island lifestyle. Locals appreciate the balance Pearl City offers—it’s close enough to Honolulu’s attractions while maintaining a quieter and more relaxed atmosphere than the busy urban core. Community discussions online often highlight the convenience, family-friendly neighborhoods, and central location that make Pearl City such a practical and comfortable place to live on Oahu.
As a reverse mortgage loan officer serving Pearl City, I help homeowners explore ways to use the equity in their homes to create greater financial flexibility and peace of mind during retirement. Whether you’re looking to supplement your income, stay comfortably in your home, or simply enjoy the next chapter of life with more freedom, I provide personalized guidance tailored to your goals. In a beautiful and connected community like Pearl City, your home can be one of your greatest tools for building the retirement lifestyle you deserve.
Contact your Pearl City 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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