Grants

Emergency grants

Emergency Grants

Grants to help you with financial emergencies, rent, utilities or mortgage assistance.

NEW

Homeowner Assistance Fund

Grants up to $30,000 to assist homeowners on Hawai‘i Island and Kaua‘i who are in financial hardship pay past due mortgages or reduce monthly payments. Funding is limited to homeowners who reside on Hawai‘i Island and Kaua‘i who have loans with participating mortgage servicers ONLY. If your mortgage servicer is not listed below, you are ineligible to receive funds at this time.

• Live in your home on Hawai‘i Island or Kaua‘i.
• Own no other real property.
• Have a first mortgage that was originated before January 21, 2020.
• Have experienced financial hardship (i.e. a 10% decrease in annual income or 10%
increase in household expenses since March 2020).
• Have less than $25,000 in assets (i.e. retirement, savings, pension) or less than five times your monthly mortgage payment..
• Meet the maximum annual household income requirements:

Hawai‘i County
Hawaii Community Lending, Grants, Loans, investing in Hawaii invest Hawaiian Borrowing & Home Loans
Add $10,250 per person above 8 persons in the household.

Kaua‘i County
Hawaii Community Lending, Grants, Loans, investing in Hawaii invest Hawaiian Borrowing & Home Loans
Add $12,500 per person above 8 persons in the household.

• Have a mortgage with one of the qualifying mortgage servicers:

Funding is limited to homeowners who reside on Hawai‘i Island and Kaua‘i who have loans with participating mortgage servicers ONLY. If your mortgage servicer is not listed below, you are ineligible to receive funds at this time.

Participating mortgage servicers list:
• American Savings Bank
• Freedom Mortgage
• Gather Federal Credit Union
• Kaua‘i Federal Credit Union

If your mortgage servicer is not participating in the program, consider downloading and sending this Participating Servicer Request Letter to your mortgage servicer to ask them to help you become eligible for Homeowner Assistance Fund grants

Enroll by phone:
• Hawai‘i Island: 808‐934‐0801
• Kaua‘i : 808‐784‐3841

In‐person at the Hawai‘i Island or Kaua‘i Financial Opportunity Center (call before coming to the office)
• 1315 Kalanianaole Avenue, Hilo, HI 96720
• 4523 Ioane Road, Anahola, HI 96703

Enroll online by following the link: Enroll Today

Returning applicant?
Click here to log back into your portal.

Become a participating servicer

Find out how your company can become a servicer. View our Servicer Welcome Packet and our Mortgage Servicer Information Session video for more information.

Or For more information, review our Frequently Asked Questions or download a printable PDF.

County of Hawai‘i
County of Kaua‘i
Kauai County Housing Agency
Kupaa Kauai
State of Hawai‘i

Ka Wailele

Grants up to $1,500 for Native Hawaiians in financial hardship for rent, utility, mortgage payments and rental deposits. Funding available statewide.

Apply Here or call 808-587-7656.
Returning applicant?

Click here to log back into your portal.
For more information, visit www.KaWailele.org
.

Hawai‘i County Emergency Rental Assistance Program

Grants for low-income Hawai‘i Island renters in financial hardship to pay for rent, utilities, and rental deposits. Available on Hawai‘i Island only.

For more information and where to apply, visit www.HawaiiCountyERAP.org.

Loans

Emergency Loans

Emergency Loans

Loans are available to help with emergencies, including rent, mortgage, utility payments and rental deposits. Find an emergency loan that fits your needs below.

Kaua‘i County Emergency Loans

Loans up to $5,000 for Kaua‘i residents for financial emergencies. Low 6% interest rates with interest-only payments for the first 6 months. Funding available for Kaua‘i residents only.

Apply Here or call 808-587-7656.
Returning applicant or borrower?

Click here
to log back into your portal.

Hawai‘i County Emergency Resilience Loans

Loans up to $5,000 for Hawai‘i Island residents for financial emergencies. Low 6% interest rates with interest-only payments for the first 6 months. Funding available for Hawai‘i Island residents only.

Apply Here or call 808-587-7656.
Returning applicant or borrower?
Click here to log back into your portal.

City and County Honolulu Emergency Loans

Loans up to $5,000 for O‘ahu residents for past due rent or first month’s rent and deposit. Low 6% interest rates with interest-only payments for the first 6 months. Funding available for O‘ahu residents only.

Apply Here or call 808-587-7656.
Returning applicant or borrower?
Click here
to log back into your portal.

Find a loan that fits your needs and sets you on your path to economic opportunity. Click the links below for more information about each loan product.

HCA MATCH Accounts help you save money and build credit at the same time.

Save money, build credit, & get matched up to $4,000 for a financial goal

• Up to $1,000
• 0-18% fixed APR
• Free financial counseling

Credit Builder Loans give you the opportunity to build and improve your credit score while saving money.

• $2,000 maximum loan amount
• 18% fixed APR
• Term up to 24 months
• Free financial counseling

Debt Consolidation Loans offer funding to pay off collections, high interest credit cards, and reduce your monthly debt payments.

• $25,000 maximum loan amount
• 8%-12% fixed APR
• Term up to 5 years
• Free financial counseling

‘Ohana Line of Credit provides Native Hawaiians cash now for financial emergencies, housing payments, closing cost, and more.

• $5,000 line of credit
• Low 4% fixed APR
• Interest-only payments for the first 12 months
• Must be Native Hawaiian
• Free financial counseling

To apply, visit www.HawaiianCommunity.net or enroll at a Financial Opportunity Center near you!

Hawai‘i County Emergency Rental Assistance Program

Grants for low-income Hawai‘i Island renters in financial hardship to pay for rent, utilities, and rental deposits. Available on Hawai‘i Island only.

For more information and where to apply, visit www.HawaiiCountyERAP.org.

HCL Emergency Loans

Loans up to $5,000 for Hawai‘i residents for housing emergencies and up to $50,000 for residents to rebuild after natural disasters. Funding available to Hawai‘i residents only.

Apply Here or call 808-587-7656.
Returning applicant or borrower?
Click here to log back into your portal.

Affordable Housing Loans

Let us help you on your path to affordable homeownership!

Homeowner Assistance Loans are available to help Native Hawaiian first-time homebuyers purchase land, pay for septic systems, homesites, construction, or down payment and closing costs.

To apply, visit www.HawaiianCommunity.net to enroll at a Financial Opportunity Center near you!

Small Business Loans

Funding available for nonprofits, entrepreneurs and businesses who are creating affordable housing opportunities in our local communities.

Social enterprise loans are available to help finance the acquisition, development and construction of affordable housing, or for general operations to support affordable housing programs

Call 808-587-7656

Services

Services

HCL mortgage consultants assist homebuyers in finding the most affordable mortgage available with down payment requirements as low as 0%. Partnerships with local banks and credit unions help connect our families to the right mortgage to meet their needs.

Hawaiian Community Assets

Mahalo, Investors

Hawaii Community Lending, Grants, Loans, investing in Hawaii invest Hawaiian Borrowing & Home Loans
Hawaii Community Lending, Grants, Loans, investing in Hawaii invest Hawaiian Borrowing & Home Loans
Hawaii Community Lending, Grants, Loans, investing in Hawaii invest Hawaiian Borrowing & Home Loans
Hawaii Community Lending, Grants, Loans, investing in Hawaii invest Hawaiian Borrowing & Home Loans
Hawaii Community Lending, Grants, Loans, investing in Hawaii invest Hawaiian Borrowing & Home Loans
Hawaii Community Lending Financial Assistance for Native Hawaiians Grants Emergency loans Hawai‘i homeownership and rent assistance financial help
Hawaii Community Lending, Grants, Loans, investing in Hawaii invest Hawaiian Borrowing & Home Loans
Hawaii Community Lending, Grants, Loans, investing in Hawaii invest Hawaiian Borrowing & Home Loans

Hawai’i Community Lending
200 N Vineyard Boulevard, Suite B140
Honolulu, HI 96817
808-587-7656

Hawaii Community Lending Financial Assistance for Native Hawaiians Grants Emergency loans Hawai‘i homeownership and rent assistance financial help
Serving Hawaii 20 Years, Since 2002