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Buy a home or build your home in Hawaii, we have grants and home loans to assist you.

Buy a home

Whether you want to buy a home or build a home in Hawai‘i, we can help!

Please follow the link below and one of our mortgage professionals will reach out to you within 48 hours.

Hawaii Home Loans with Hawaii Community Lending

Your tools for homeownership:

Hawaii Credit Builder Loan with Hawai‘i Community Lending

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

APPLY TODAY

 

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

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

  • $25,000 maximum loan amount
  • 8%-14% fixed APR
  • Term up to 5 years

APPLY TODAY

Pre-Construction Loans - Build a Home

Kapili Pre-Construction Loans assist native Hawaiians to pay for pre-construction costs including 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
  • Affordable home package referrals available
  • Owner-builder technical assistance offered

APPLY TODAY

Construction Loans - Build a Home

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

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

APPLY TODAY

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

Coming Soon

Hawai‘i Community Lending
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