In the ever-evolving 2026 Hawaii real estate market, having a mortgage partner who understands the specific “island math” of property values, local regulations, and lending nuances is the ultimate competitive advantage. At C2 Hawaii, we don’t just process loans; we build the financial foundations for our neighbors to call these islands home.
As we look ahead to a busy spring season, we are proud to spotlight the elite skill and dedication of our Top Producers from 2025:
1st Thomas Ray
2nd Elias Halvorson
3rd Blaze Zeilman.
Thomas Ray: VA Loan & Residential Expert
Primary Service Area: Oahu
Specialty: VA Loans & High-Balance Residential Financing
A veteran himself, Thomas Ray (NMLS #2068953) brings the same discipline to mortgage brokering that he once brought to his service as a Navy Search & Rescue swimmer on the USS Russell. Thomas understands that for Hawaii families, a mortgage isn’t just a transaction—it’s a mission.
His deep roots in the community and expertise in navigating Oahu’s competitive residential landscape—from Ewa Beach to Honolulu—have made him a go-to resource for borrowers who need a broker who can “rescue” complex deals that larger, impersonal banks might overlook.
Elias Halvorson: VA Loan Expert
Primary Service Area: Oahu
Specialty: VA Home Loans
As a Senior Loan Officer , Elias Halvorson (NMLS #1697041) has mastered the art of “Strategic Financing”. In a 2026 market where borrowers are increasingly research-driven and price-sensitive, Elias excels at breaking down complex loan structures into clear, actionable plans. As a veteran himself he specializes in helping fellow veterans utilize their VA Home loan.
Based on Oahu, Elias leverages C2 Hawaii’s access to over 100 wholesale lenders to ensure his clients receive the most competitive terms available, often closing deals with a level of speed and precision that mainland-based lenders simply cannot match.
Blaze Zeilman: Kauai’s Premier Mortgage Broker
Primary Service Area: Kauai
Specialty: Residential Financing for Kauai’s unique market
For those looking to secure property on the Garden Isle, Blaze Zeilman, Senior Loan Officer, (NMLS# 1593579) is the local authority. Based on Kauai, Blaze understands the unique geographic and lending challenges of the island of Kauai.
Blaze’s success in 2025 was built on the “neighbor-not-a-number” philosophy. By being physically located on Kauai, he provides a level of face-to-face accountability and local networking with Realtors and lender partners that ensures his clients’ offers are taken seriously in any bidding situation.
Why Choose a C2 Hawaii Top Producer?
Choosing a local broker like Thomas, Elias, or Blaze means more than just getting a rate quote; it means gaining a partner invested in your success.
- Hyper-Local Knowledge: They understand Hawaii’s unique CPRs, co-ops, and leasehold property structures that often confuse mainland lenders.
- Faster Decisions: With on-island expertise, our team avoids the “call center” delays of national banks, leading to faster approvals and on-time closings.
- Community Accountability: Our reputations are built on the success of our neighbors. We have to earn your trust with every transaction.
