Elias Halvorson, NMLS 66247, is a licensed Honolulu loan officer known for brokering the best VA loans Hawaii offers. He is a great resource for first-time homebuyers in Hawaii. Elias provides mortgage calculators to assist with the VA loan application process. Whether refinancing a home loan or buying for the first time, no other Honolulu VA loan officer can match his ability to find low mortgage rates. Among Hawaii mortgage lenders he is top-rated. Elias is affiliated with Cardinal Financial.