Reverse Mortgage Services for Hawaii Seniors & Ohana
Whether you’re exploring HECM, condo approval options, jumbo reverse mortgages, or need an AI-powered estimate, our services make the process easy to understand and stress-free for kupuna and ʻohana.
Local Reverse Mortgage Guidance You Can Trust
Honest, Easy-to-Understand Advice for Kupuna & ʻOhana
AI-Powered Estimates Personalized for Hawaiʻi Homeowners
1. Free AI-Powered Hawaii Reverse Mortgage Estimate (60 Seconds)
Your personalized estimate includes:
- Eligibility results
- Estimated loan amounts
- Payment options (lump sum, monthly, line of credit)
- Remaining equity projections
- Condo & property-type considerations
- Localized Hawaiʻi home data
No credit check. No phone call needed.
2. HECM Reverse Mortgage
HECM loans are the most popular option for Hawaiʻi kupuna and include:
- No monthly mortgage payments
- Tax-free funds
- Flexible payout options
- Federal protections for seniors
- Non-recourse safety (you never owe more than the home’s value)
We help you determine:
- Eligibility
- Payout options
- Long-term financial impact
- How HECM works for Hawaiʻi homeowners
3. Single-Purpose Reverse Mortgage
A single-purpose reverse mortgage is offered by local government or nonprofit agencies and can only be used for:
- Property taxes
- Home repairs
- Essential maintenance
Not all Hawaiʻi counties offer this program, but when available, it can be a very low-cost option.
We help Hawaiʻi seniors determine:
- Whether their county offers it
- How to qualify
- Whether HECM or another option provides better benefits
Ready To Take Control Of Your Retirement?
Ensure you make informed financial decisions by consulting with a trusted reverse mortgage advisor familiar with Hawaii’s unique real estate landscape and financial conditions.
4. Proprietary or Jumbo Reverse Mortgage
For homes valued above HECM limits (common in Hawaiʻi), proprietary reverse mortgages offer:
- Much higher loan limits
- Flexible property and condo rules
- More options for luxury and high-equity homes
- No FHA requirements
Popular for:
- Oʻahu luxury homes
- Maui coastal homes
- Kona / Hilo high-value properties
We compare proprietary vs. HECM to find your best fit.
5. Hawaii Condo Eligibility Review (FHA & Single-Unit Approvals)
Condo eligibility is one of the most common challenges in Hawaiʻi.
Our review includes:
- FHA-approved condo list check
- Single-unit approval evaluation
- Condo association guidelines
- Older building considerations
Many Hawaiʻi condos qualify — especially with single-unit approval.
6. Leasehold Property Reverse Mortgage Assessment
Because leasehold properties are unique to Hawaiʻi, we specialize in evaluating:
- Remaining lease terms
- HUD compliance
- Case-by-case allowances
- Whether proprietary loans may be better
Leasehold reverse mortgages require a local expert — our tools and support make it simple.
7. Ohana Reverse Mortgage Planning Session
Reverse mortgages impact the whole family.
We offer a kupuna-friendly, ʻohana-centered planning session to help:
- Children understand inheritance
- Families plan aging-in-place strategies
- Clarify loan protections and long-term impact
- Support multigenerational decision-making
This service is unique to our Hawaiʻi-focused mission.
8. Aging-in-Place Financial Planning Using Home Equity
We help seniors evaluate how to use equity to:
- Stay in their home longer
- Pay for care services
- Fund accessibility improvements
- Reduce financial stress
- Maintain independence
This is part of our senior-first approach, not a sales pitch.
9. Reverse Mortgage Safety & Protection Review
We ensure you fully understand:
- Non-recourse protection
- Spousal protections
- Remaining equity for heirs
- Title & ownership rules
- FHA/HUD consumer safeguards
Transparency first. Always.
10. Optional Consultation With Licensed Hawaii Expert
Reverse Mortgage Specialist
NMLS#582944
If you’d like personal guidance, you may speak with Percy Ihara, a respected local mortgage professional with decades of experience helping kupuna and ʻohana.
Optional. No pressure. Always in the spirit of aloha.
Get Your Personalized Hawaiʻi Reverse Mortgage Estimate
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AI Reverse Mortgage Hawaii
Clear Reverse Mortgage Guidance for Hawaii Seniors
Percy Ihara
Reverse Mortgage Specialist
NML#: 582944
Phone: +1(808)234-3117
Email: percy@c2hawaii.com
Address: Pauahi Tower, 1003 Bishop St Suite 2700-42, Honolulu, HI 96813
Serving ALL Hawaiian Islands: Kauai, Oahu, Molokai, Lanai, Maui, and Big Island