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BUY-HOME
Lahaina homeowners can now apply to receive lot surveys at no cost
LEARN MORE
BUY-HOME
Lahaina homeowners can now apply to receive lot surveys at no cost
LEARN MORE
BUY-HOME
Start your journey to homeownership
Buy a Home
BUY-HOME
Sustain homeownership for future generations
Save your home
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Welcome to Hawai‘i Community Lending

We are Hawai’i’s premier nonprofit mortgage lender, helping local and Hawaiian families navigate the path to homeownership. HCL is a trusted financial community partner, created to fund the affordable housing ecosystem from homebuyer to home builder to homeowner.

Hawai‘i Community Lending - our team

Impact

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Grants & Loans Originated
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Grants & Loans Disbursed
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‘Ohana in Homes

Maui Wildfire Relief & Recovery

At this time, our thoughts and attention are with the Maui community, which has been profoundly affected by the recent devastating wildfires. Our long-term goal is to assist those impacted on Maui rebuild their homes. We are here to provide support throughout this journey, sharing guidance, resources, and assistance every step of the way.

We are working to provide essential information and services to those in need. In addition to immediate relief efforts, we are actively setting up a comprehensive ‘toolkit’ filled with resources to aid you on your path to recovery. For more information and to access these valuable resources, please visit Maui Wildfire Relief & Recovery or follow the links below. Together, we will overcome these challenges and rebuild a stronger and more resilient community.

Support Kānaka Anti-Displacement Fund

The Kānaka Anti-Displacement Fund was set up to protect indigenous kānaka maoli from displacement.

No-Cost Lot Surveys for Lahaina Homeowners

Are you a Lahaina homeowner who lived in your home before the August 8, 2023, Maui wildfires? Apply for a lot survey funded by the Maui Strong Fund of the Hawai‘i Community Foundation.

Lahaina Homeowner Recovery Program

The program will provide vital assistance to up to 500 owner-occupant Lahaina homeowners, helping to prevent foreclosure and qualify for financing to rebuild their homes.

Kānaka Anti-Displacement Fund

The fund is dedicated to support the Native Hawaiian population facing challenges such as the Maui wildfire disaster that uprooted Kānaka homeowners.

Temporarily halt mortgage payments, providing essential financial relief. During this period, you won’t face additional fees, penalties, or interest.

Start your journey to home

Buy a home

Are you ready for a home of your own? HCL can support your journey!
Start Here, Buy a home in Hawaii

Save your home

Are you in financial hardship? Get emergency relief to prevent foreclosure.
APPLY TODAY

Existing borrower

Have a question about your loan? We can help! Talk to an HCL team member
TALK TO US

Helping Lahaina homeowners to prevent foreclosure and qualify for financing.
LEARN MORE

An investment with us is an investment in community.
INVEST LOCAL

Our hard-working team at HCL gets the job done!

Don’t let poor credit hold you back.

Say ALOHA to financial freedom.
LEARN MORE

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

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