Start your journey to home
Homeownership on Hawaiian Home Lands starts here.
If you’re a registered Hawaiian Home Lands beneficiary, Hawai‘i Community Lending can help you buy, build, or refinance with mortgage options designed specifically for DHHL properties.
Our Kahua Hale Mortgage Loan and Kūpaʻa Hale Mortgage Loan programs offer zero-down options and rates under 5%* for qualified borrowers—along with local guidance every step of the way.
See if you qualify, explore your loan options, or connect with our team to get started.
Get started today.
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HCL Brokered Mortgage Loan
Permanent financing on Hawaiian Home Lands brokered to partner lenders
• Available to native Hawaiians eligible to reside on Hawaiian Home Lands
• Offering FHA 247, HUD 184A, and USDA Guaranteed financing
• Market-rate interest
• 360 months term
Kahua Hale Mortgage Loan
This program helps low-income native Hawaiian families purchase homes in rural communities with zero-down, low-fee mortgages and interest rates below typical market levels.
• Available for Hawaiian Home Lands
• Zero-down mortgage
• Flat $2,000 fee
• 80% AMI
Kūpaʻa Hale Mortgage Loan
This program helps native Hawaiian families access:
• Zero-down mortgage
• Low-fee mortgages statewide
• Competitive interest rates
• Available for Hawaiian Home Lands
• Borrowers either need to be low-income below 80% area median income or purchase in a low- to moderate-income census tract.
Mortgage Loans
HCL Direct Mortgage Loan
Permanent financing on Hawaiian Home Lands
• Available to native Hawaiians eligible for Hawaiian Home Lands
• 50% FHA max loan limit
• Not more than 8% APR
• 360 months term
• 80% AMI
• Requires HUD Counseling
Kahua Hale Mortgage Loan
This program helps low-income native Hawaiian families purchase homes in rural communities with zero-down, low-fee mortgages and interest rates below typical market levels.
• Available for Hawaiian Home Lands
• Zero-down mortgage
• Flat $2,000 fee
• 80% AMI
Kūpaʻa Hale Mortgage Loan
This program helps native Hawaiian families access zero-down, low-fee mortgages statewide with competitive interest rates.
• Available for Hawaiian Home Lands
• Borrowers either need to be low-income below 80% area median income or purchase in a low- to moderate-income census tract.
Rates, terms, and program details may change without notice. Actual rate and payment depend on credit profile, loan program, and timing of lock. Contact HCL for current options.
Construction Loans
Kapili Construction Loan
Home construction financing on Hawaiian Home Lands
• Available to native Hawaiians eligible to build on Hawaiian Home Lands
• $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 Home Lands
• 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 Home Lands
• 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
Rates, terms, and program details may change without notice. Actual rate and payment depend on credit profile, loan program, and timing of lock. Contact HCL for current options.
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
Rates, terms, and program details may change without notice. Actual rate and payment depend on credit profile, loan program, and timing of lock. Contact HCL for current options.
Social Enterprise Loan Frequently Asked Questions
A Social Enterprise Loan is intended to support small businesses whose focus is on completing affordable housing projects and community-based development initiatives who need access to capital.
Hawaiʻi Community Lending (HCL) administers the Social Enterprise Loan.
The loan can be used to support the following business financing needs: working capital, equipment purchase, business expansion, and project mobilization. Please contact the Enterprise Loan Manager to discuss other financing needs and determine if this loan may be the right fit for you.
The interest rate starts at 5.0% up to 14.0% APR. Interest rate is determined based on the loan application information, business financials, credit risk, and underwriting criteria.
To be eligible, the business must be owned and operated within the State of Hawaiʻi. In addition, funds cannot be used for business activity performed out-of-state.
A principal owner who shows challenges with credit may be referred to Hawaiian Community Assets for HUD Counseling for assistance to improve credit profile.
Businesses in need of assistance with business financials may contact an approved Technical Assistance (TA) provider such as SBDC, SBA, APEX, and HTDC. Please be advised, TA for businesses in operations for 2 years or less, are required to obtain TA prior to loan closing.
A business experiencing challenges and facing the threat of closure can be reviewed on a case-by-case basis. The principal owner is encouraged to speak with the Enterprise Loan Manager to determine eligibility and if the loan can remedy the situation. If not, the Enterprise Loan Manager may determine alternative options available.
For-profit or non-profit developers, contractors, trades, service providers, and energy/technology-based businesses that offer services related to the affordable housing ecosystem are welcome to apply.
Funds may be used for the following purposes:
(1) Pay for land acquisition, site development, construction financing; direct payment to entrepreneurs, for-profit business, or nonprofit organization.
(2) Pay for working capital and workforce development with a particular focus on construction trades, solar or energy efficiency/technology business start-ups or existing business to increase the number of qualified, skilled, service providers to Native Hawaiian Communities.
Contact HCL by phone, email, or online inquiry.
• Complete an online inquiry to enroll in HCL
• Point of Contact – Aikũʻē Kalima, Enterprise Loan Manager
• 808-865-2913
• aikue@hawaiicommunitylending.com
1. Social Enterprise Loan Application
2. Borrower Certification and Authorization to pull credit
3. Loan Fund Assurance Statement
4. Copy of birth certificate (if Native Hawaiian/entrepreneur)
5. Verification of social security number and picture ID/I9 (if entrepreneur)
6. Copy of 501c3 tax exempt letter (if nonprofit)
7. General Excise Tax License
8. Proof business is headquartered in Hawaii and in good standings with Department of Commerce and Consumer Affairs (“DCCA”)
9. Description of entrepreneur, business, nonprofit, or fiscally-sponsored community-based organization including Reason for Loan Request
10. Resumes of key staff
11. Copy of paystubs for most recent 30 days (if applicable)
12. Copy of personal (if self-employed) and business bank statements for ALL accounts
for most recent 30 days
13. Copy of Federal Tax Returns for most recent 2 years
14. Most recent year-to-date profit-loss statement
15. Most recent year-to-date balance sheet
Please complete the Social Enterprise Loan application and documents checklist within 30 days. The Enterprise Loan Manager is available to assist as needed.
Enterprise Loan Manager will complete the vetting process, determine applicant meets all eligibility requirements, and the Chief Financial Officer will make the final decision.
You will be notified immediately of decision and next steps.
You will be notified immediately of decision, provided with the reasons for decision, and recommendations for improvement.
Yes. All clients must complete at least one approved credit counseling or technical assistance prior to closing. Counseling/technical assistance can help you budget, manage your business financials, and plan for the future. Technical assistance may be waived if business is an existing borrower or in operations for more than 2 years.