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Loans

Whether you want to apply for a loan, consolidate monthly payments or lower your interest rate, complete the INTEREST FORM and a NAVIGATION SPECIALIST will contact you to discuss your needs.

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Returning Applicant
Mortgage Loans
Construction Loans
Small Business Loans

Mortgage Loans

Credit Builder Loan

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

Enroll
Kahua Hale Mortgage Loan

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

Enroll
Zero Deposit Down Mortgage Loan with Hawai‘i Community Lending

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.

Enroll

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

Credit Builder Loan

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

Enroll
Hawaii Small Business Loan

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

Enroll
Pāhono Home Repair Loan Hawai‘i Community Lending

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
• 120 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

Enroll

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

Hawaii Small Business Loan

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

Enroll

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.

About Aikū’ē Kalima

Aikū’ē Kalima, former Native Hawaiian Revolving Loan Fund Manager for the Office of Hawaiian Affairs, joins Hawaiʻi Community Lending as its lending director.
Kalima comes to HCL with more than 25 years of experience in community development and mortgage lending. In his new position, Kalima will direct HCL’s consumer, construction, mortgage and small business lending.
“As a native Hawaiian and Hawaiian Home Lands beneficiary, I understand the financial needs for economic development and quality housing for kānaka is great,” said Kalima, who led OHA’s deployment of $9.8 million in loans to 286 native Hawaiians statewide over the last five years. “For over 25 years, I have worked tirelessly at the grassroots level, educating kānaka on the skills necessary to achieve the dream of homeownership and providing resources to achieve financial sustainability. I plan to continue serving the lāhui empowering ‘ohana and communities as the lending director for Hawai‘i Community Lending.”
Kalima takes the reins of HCL’s $16-million revolving loan fund and will oversee a team of seven staff members statewide. “HCL is honored to have Aikū’ē join us in our mission to help tackle our housing crisis by funding native Hawaiian and local families to build, buy and save homes from foreclosure,” said HCL Executive Director Jeff Gilbreath. “He has proven leadership in both the public and private sectors and has the passion to get families on the land through homeownership.”

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About Nikki

Nikki Hollern is a mother of five, born and raised in Upcountry Maui, but she spent the last 15 years in the beautiful town of Lahaina. Lahaina stole her heart, with the people and the town being unlike any other. After the fire, her family had to relocate to Kahului.

Her heart remains in Lahaina, and her goal is to help this amazing community get back to where they belong. She feels blessed to have the opportunity to be part of the HCL ‘ohana, helping navigate this incredibly hard time and hopefully serving as a guiding light to assist the community in returning home and coming back even stronger.

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Credit Builder Loan

Save money and build/improve credit. Automatic approval.
Max loan amount: $2,000.
Interest rate: Not to exceed 18% fixed APR
Maximum loan term: 24 months.

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Credit Repair Loan

Pay off collections, public record items, other derogatory accounts, or high-interest credit cards or loans; consolidate debt; payment of expenses other than loans or credit cards not allowed.
Max loan amount: $35,000.
Interest rate: Not to exceed 14% fixed APR (based on risk rating)
Maximum loan term: 84 months.

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Kānaka Anti-Displacement Loan

Pay costs of restoration and repair of homes impacted by the 2023 Lahaina wildfire and submit for reimbursement from insurance companies.
Max loan amount: $150,000.
Interest rate: Not to exceed 2% fixed APR.
Maximum loan term: 36 months.

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Hawaiʻi County Deferred Payment Loan

Buy down principal mortgage amount off Hawaiian Homelands.
Max loan amount: $200,000.
Interest rate: 0%
Maximum loan term: Until sale, refinance, repayment, or other maturity event.

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Maui County Deferred Payment Loan

Buy down mortgage principal on Hawaiian Homelands

• Available to Maui County residents (min. 2 years residency)
• Must earn under 120% AMI
• $200,000 max loan for low AMI
• 0% interest
• Deed restrictions and shared equity appreciation apply
• Requires HUD counseling

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