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 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:

• 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
• Chase
• Click n’ Close
• 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/Right Path Servicing
• PennyMac
• PHH Mortgage Corporation
• PNC Bank
• Planet Home Lending
• Rocket Mortgage
• Roundpoint
• Rushmore
• Select Portfolio Servicing (SPS)
• Selene Finance LLP
• ServiceMac
• Shellpoint
• SLS
• The Money Source
• Truist
• US Bank
• Valon Mortgage
• 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

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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.