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Grants

Prevent Foreclosure in Hawaii with Emergency grants and loans

Homeowner Assistance Fund

Grants up to $30,000 to assist homeowners on Hawai‘i Island and Kaua‘i who are in financial hardship to reduce monthly payments or pay past due mortgages to prevent foreclosure. 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:
Hawaii Lending - Homeowners Assistance Fund

• Have a mortgage with one of the qualifying mortgage servicers listed below,
reverse mortgages allowed (not required for past-due property taxes and past-due
HOA fees).

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
• Arvest Central Mortgage Company
• Big Island FCU
• BSI Financial Services
• Caliber Home Loans
• Capital Mortgage Servicers of Texas
• Carrington Mortgage
• CENLAR
• Central Pacific Bank
• Community Loan Servicing
• Dovenmuehle
• First Hawaiian Bank
• Flagstar
• Freedom Mortgage
• Gather Federal Credit Union
• Gregory Funding
• Habitat for Humanity Hawai‘i Island
• HFS Federal Credit Union
• HomeStreet Bank
• Interfirst Mortgage Company
• Kaua‘i Federal Credit Union
• Kaua‘i Habitat for Humanity
• Lakeview Loan Servicing
• Loan Care
• Loan Depot
• M&T Bank
• Mr. Cooper
• PHH Mortgage Corporation
• PNC Bank
• Planet Home Lending
• Rocket Mortgage
• Roundpoint
• Rushmore
• Select Portfolio Servicing (SPS)
• Selene Finance LLP
• ServiceMac
• Shellpoint
• The Money Source
• Truist
• US Bank
• Wells Fargo

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
• 2600 Kaumuali‘i Highway, Suite E-12, Lihue, HI 96766

Enroll online by following the link: Enroll Today

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

Need Assistance? If you need an auxiliary aid/service or other accommodation due to a disability, call TTY: (877) 477-5990 as soon as possible. Requests made as early as possible will allow adequate time to fulfill your request. Upon request, this notice is available in alternate formats such as large print, Braille, or electronic copy.

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
Prevent Foreclosure in Hawaii with Emergency grants and loans
Hawaii Foreclosure Help

"Know Your Options to Prevent Foreclosure" Workshops

Sign up now We hosted a series of online workshops to help prevent foreclosure on Hawai‘i Island & Kaua‘i.
Click here for details.

Hawaii Emergency Financial Assistance Program Ka Wailele

Ka Wailele

Grants up to $2,000 for Native Hawaiians in financial hardship for rent, utility, mortgage payments, medical expenses, funeral expenses, car repairs and rental deposits. Funding available statewide.

The Hawaii Community Lending contract has expired and a new contractor is expected to be in place by 8/15.

In the meantime, beneficiaries can check their eligibility and sign up to be notified once the new program is in place by going to www.oha.org/emergencyaid.

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

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

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.

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.

Funding for this product is fully expended at this time. No applications are currently being accepted. Please call our team to ask about other options that may be available to you. (808) 587-7656

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!

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
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