Joe Schmitz – Hawaii VA Loan Specialist & Branch Manager at C2 Hawaii

With over 18 years of experience as a leading Hawaii mortgage expert, Joe Schmitz, Branch Manager and Branch Partner at C2 Hawaii, specializes in VA home loans and conventional mortgage solutions. A U.S. Navy veteran who served at Pearl Harbor aboard the USS Buffalo, Joe brings a personal commitment to helping veterans secure low-rate VA loans across Oahu, Maui, Kauai, Molokai, and the Big Island. His military background fuels his mission to deliver exceptional rates and unparalleled service, making homeownership a reality for Hawaii’s veteran community.

Unique Expertise in Hawaii Mortgage Lending
Joe’s dual experience as both a banker and broker sets him apart as a top Hawaii VA loan specialist. This comprehensive perspective allows him to navigate the mortgage landscape with precision, securing competitive rates through C2 Hawaii’s extensive network of over 100 wholesale lenders. Since co-founding the C2 Hawaii branch in 2014, Joe has built a reputation for delivering tailored mortgage solutions that meet diverse client needs, from Honolulu to Hilo.

Mortgage Services Tailored for You

• Specialized VA Loans: Designed for active-duty military and veterans, offering low VA mortgage rates and flexible terms. Click Here for more information on our VA Loans
• Traditional Mortgages: Premium-rate loans for borrowers with fair to excellent credit. Click here for more information on these product
• Alternative Mortgages: Creative options for borrowers who don’t fit traditional criteria. Click Here for more information on these product

Serving all Hawaiian Islands, Joe provides personalized guidance to simplify the mortgage process, whether you’re buying your first home on Oahu or refinancing on the Big Island. His hands-on approach ensures transparency and results, often with no upfront costs.

A Passion for Service and Life
When he’s not securing low Hawaii VA mortgage rates, Joe enjoys snowboarding, hiking, diving, and relaxing with his fiancé and dog. This energy translates into a seamless, enjoyable home-buying experience for his clients.

Ready to lock in a low-rate VA loan or explore your mortgage options? Contact Joe Schmitz, your trusted Hawaii mortgage loan officer, today for a free quote and expert advice tailored to your goals.