Loans
How to apply
For more information or to apply, fill out the ENROLLMENT FORM, and one of our NAVIGATION SPECIALISTS will contact you within 48 hours.
Personal Loans
Credit Builder Loan
Build/improve credit
• Available to Hawaiian residents
• $1,501 minimum loan
• $2,000 max loan
• 18% fixed APR
• 24 months term
• No DTI limit
• Automatic approval
• Requires HUD counseling
Credit Repair/Debt Consolidation Loan
Pay off debt, consolidate high-interest loans
• Available to Hawaiian residents
• Requires income verification
• $35,000 max loan
• 8-14% APR based on risk
• 84 months term
• 60% DTI max
• Requires HUD counseling
Anti-Displacement Loan
Cover disaster-related costs for homeowners
• Available to Native Hawaiian homeowners in Leiali‘i
• $150,000 max loan
• 5% APR
• 36 months term
• Deferred payments
• Requires HUD counseling
Details subject to change. Check with your loan servicer for current loan terms.
Mortgage Loans
Hawai‘i County Deferred Payment Loan
Buy down mortgage principal on Hawaiian Homelands
• Available to Hawai‘i County residents
• Must earn under 80% AMI
• $200,000 max loan
• 0% interest
• Deferred payments
• Requires HUD counseling
Maui County Deferred Payment Loan
Buy down mortgage principal on Hawaiian Homelands
• Available to Maui County residents (min. 2 years residency)
• Must earn under 120% AMI
• $200,000 max loan for low AMI
• 0% interest
• Requires HUD counseling
HCL Direct Mortgage Loan
Permanent financing on Hawaiian Homelands
• Available to Native Hawaiians eligible for Hawaiian Home Lands
• 50% FHA max loan limit
• Not more than 8% APR
• 360 months term
• Requires HUD Counseling
Details subject to change. Check with your loan servicer for current loan terms.
Construction Loans
Kapili Construction Loan
Home construction financing on Hawaiian Homelands
• Available to Native Hawaiians eligible to build on Hawaiian Homelands
• $600,000 max loan
• Not more than 8% APR
• 12 months term
• Interest-only payments during the loan term, with the full principal paid off through a long-term mortgage after construction is complete
• Requires HUD counseling
Hoʻāla Rehabilitation Loan
Finance major home rehabilitation on Hawaiian Homelands
• Available to Native Hawaiians purchasing or refinancing DHHL homes
• $600,000 max loan
• Not more than 8% APR
• 12 months term
• Interest-only payments during the loan term, with the full principal paid off through a long-term mortgage after construction is complete.
• Requires HUD counseling
Pāhono Home Repair Loan
Finance minor home repairs on Hawaiian Homelands
• Available to Native Hawaiians purchasing or refinancing DHHL homes
• $50,000 max loan
• Not more than 8% APR
• 12 months term
• Interest-only payments during the loan term, with the full principal paid off through a long-term mortgage after construction is complete.
• Requires HUD counseling
USDA Direct 502 Loan Packaging
Finance rural home purchase or construction on Hawaiian Homelands
• Available to Native Hawaiians eligible for Hawaiian Homelands
• 50% FHA max loan limit
• USDA-determined APR
• 360 months term
Details subject to change. Check with your loan servicer for current loan terms.
Small Business Loans
Social Enterprise Loan
A small business loan for land acquisition, site development and construction.
• $100,000 max loan
• Not more than 14% APR fixed rate
• Up to 120 months term
• Completion of approved credit counseling or technical assistance required prior to loan closing
Details subject to change. Check with your loan servicer for current loan terms.