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Start your journey to home

Whether you want to buy a home or build a home in Hawai‘i, or if you are not sure where to start and would like to talk to a staff member we can help!

Please fill out the form below, and one of our mortgage professionals will reach out to you within 48 hours.

Your tools for homeownership:

Hawaii Credit Builder Loan with Hawai‘i Community Lending

Credit Builder Loan

A Credit Builder Loan helps you build and improve your credit score while saving money.

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


Consolidate Debt Hawaii with a loan from Hawai‘i Community Lending

Debt Consolidation Loan

A Debt Consolidation Loan is used to pay off collections, high interest credit cards, and reduce your monthly debt payments.

  • $35,000 maximum loan amount
  • 8%-14% fixed APR
  • Term up to 7 years

Pre-Construction Loans - Build a Home

Pre-Construction Loans assist native Hawaiians to pay for pre-construction costs including architect fees, engineer stamps and permits. Borrowers MUST plan to use NAHASDA financing to be eligible for this loan.

  • $15,000 maximum loan amount
  • 6-8% fixed APR
  • 1% origination fee due at closing
  • Term up to 18 months


Construction Loans - Build a Home

Kapili Construction Loans help native Hawaiians build homes on their Hawaiian Homelands lot.

  • $450,000 maximum loan amount
  • 6-8% fixed APR
  • 1% origination fee due at closing
  • Term up to 18 months
  • Referrals to builders and home package suppliers
  • Owner-builder technical assistance offered

Down Payment Assistance

Down Payment Assistance Loans are second mortgages that give you the funds you need to afford down payment and/or closing costs.

  • Must be Native Hawaiian to be eligible for this program
  • $25,000 maximum loan amount
  • Fixed interest rate at 2% above first mortgage interest rate
  • 1% origination fee due at closing
  • Deferred payments due at resale, refinance, or loan maturity
  • Term up to 360 months

Deferred Payment Loans

Deferred Payment Loans help you buy down your purchase price to make homeownership a reality. Only available to homebuyers in approved projects within participating counties.

  •  $200,000 maximum loan amount
  • 0% fixed APR
  • 0% origination fee due at closing
  • Resale and share equity restrictions apply
    Talk with an HCL team member for more information


Hawai‘i Community Lending
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