Joe Schmitz

NMLS#222839
Branch Manager / Sr. Loan Officer / Branch Partner
808-783-5815
joe@c2hawaii.com
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Joe Schmitz

Your Trusted VA Loan Specialist in Hawaii
Branch Manager, Sr. Loan Officer, and Branch Partner at C2 Hawaii

 

With over 18 years of experience in the Hawaii mortgage industry, Joe Schmitz has established himself as a leading expert in VA home loans and alternative mortgage solutions. As a U.S. Navy Veteran who served at Pearl Harbor on the submarine USS Buffalo, Joe’s commitment to the veteran community is personal and profound. He leverages his military background to offer unparalleled service and rates on VA home loans, ensuring that fellow veterans can achieve the dream of homeownership with an exceptional rate.

 

Unique Expertise:
  • Dual Experience: Joe has worked both as a banker and a broker, providing him with a comprehensive understanding of mortgage lending from multiple angles.
  • C2 Hawaii Branch Partnership: Since launching the branch in 2014, Joe has managed to secure some of the most competitive rates in Hawaii through an extensive network of wholesale lenders.

 

Services Offered:
  • Specialized VA Loans: Tailored for active-duty & veterans with exceptional rates and terms. Click Here for more information on our VA Loans
  • Alternative Mortgages: Options for those who don’t fit traditional loan criteria. Click Here for more information on these products
  • Traditional Mortgages: Premium rate loans for fair-excellent credit borrower. Click here for more information on these products

 

Serving All Hawaiian Islands: Whether you’re on Oahu, Maui, Kauai, Molokai, or the Big Island, Joe is here to guide you through the mortgage process with personalized service.

 

Personal Interests: When not assisting clients, Joe enjoys snowboarding, hiking, diving, and spending quality time with his fiancé and dog. His passion outside of work translates into a fun and seamless experience for his clients during their home buying journey.

Today's Rates as of

30 Year Fixed

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VA 30 Year Fixed

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5 Year ARM

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Jumbo 30 Year Fixed

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*Above rates are quoted NO POINTS, Based on 780 credit score, purchase loan, loan amount < $1,209,751 (except JUMBO ) and 20% down (except for VA & JUMBO)

C2 Financial Corporation is a Hawaii State NMLS Licensed MLOC: NMLS #135622, C2 Hawaii NMLS#1244222. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of Hawaii.

C2 HAWAII 2024 © all rights reserved Branch NMLS#1244222