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

With over 19 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.

Hawaii Branch Growth and Leadership

Since founding the C2 Hawaii branch in 2014 with Darron Carson, Joe has helped grow it into one of Hawaii’s top mortgage brokerages with over $2 billion funded in Hawaii. He’s led development of systems, training, technology, marketing, and lending solutions while remaining a top producer, ranking in C2’s national top 10 in 2016.

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 throughout the Islands.

Mortgage Services Tailored for You

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

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 wife and dogs. 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.