Adam Zavodny is a Big Island–based Mortgage Loan Officer with 16 years of experience helping Hawaii homeowners, buyers, and investors navigate the mortgage process from start to finish. Living and working on the Hamakua Coast, Adam serves clients across all of Hawaii Island — from Kona and Waikoloa on the west side to Waimea, Kohala, Hawi, and east side communities including Hilo, Keaau, Mountain View, Orchidland, and Na’alehu — bringing deep, island-wide market knowledge combined with access to C2 Hawaii’s network of over 100 lending partners, giving his clients a competitive advantage that mortgage banks simply can’t match.

Adam’s core specialties include:

• Home Purchase Loans — guiding first-time buyers and move-up buyers through every step of the purchase process across Hawaii Island
• Refinance & Rate Optimization — helping existing homeowners lower their payments, access equity, or restructure their loans for long-term financial goals
• FHA & Conventional Loans — flexible financing solutions tailored to a wide range of buyers and financial situations across Hawaii Island
• VA Home Loans — serving Hawaii’s veteran and active-duty military community with the home financing benefits they’ve earned

With 16 years in the mortgage industry, Adam has built his reputation on clear communication, relentless advocacy for his clients, and a fiduciary-first approach to lending — meaning your best interest, not a commission, drives every recommendation he makes.

Big Island buyers and homeowners deserve a loan officer who actually knows their market. Adam lives on the Hamakua Coast, works island-wide across Hawaii Island, understands the nuances of Hawaii real estate in every community he serves, and is personally invested in the people and places that make the Big Island home.