Homeowner Recovery Toolkit
Transitioning families from interim housing to permanent housing
Hawai‘i Community Lending (HCL) has been called on to expand our services under the Lahaina Homeowner Recovery Program to provide vital assistance to up to 500 owner-occupant Lahaina homeowners, helping them prevent foreclosure and qualify for financing to rebuild their homes.
Apply today and receive help with
• Filing FEMA appeals
• Filing an insurance claim
• Going through probate
Eligibility
• Lahaina homeowner
• Lived in home as primary residence before impact
HCL was created by native Hawaiians on Maui who were unable to qualify for a Hawaiian Homelands lease. HCL started its work in 2002 in the Paukukalo homestead to help native Hawaiians obtain mortgages to receive their lease and get on the land.
We expanded from our Maui roots to serve native Hawaiians across the state. In 2007, HCL assisted Leiali‘i homestead families in Lahaina obtain mortgages. 16 years later, when the August 8th fires struck, our team moved quickly to launch the Kanaka Anti-Displacement Fund to bring services to the 104 impacted Leiali‘i families, committing ourselves to help them prevent displacement and rebuild.
Donate to make a difference
Homeowner Recovery Toolkit
We know the road to recovery is complicated and stressful. It starts with getting your family on a stable foundation.
We encourage you to use the resources below to stay on the path to rebuilding.
Step 1: Stop Foreclosure
Mortgage Forbearance
If you have a mortgage, use this Mortgage Forbearance Request Letter to stop foreclosure.
Step 2: File a Homeowner Insurance Claim
If you have not filed an insurance claim, work with United PolicyHolders.
Work with a public insurance adjuster to assist you with your insurance claim. Questions to Ask Before Hiring a Public Insurance Adjuster [PDF]
Step 3 Get Your FEMA and SBA Money
Have you been denied by FEMA or SBA? You are not alone. 72% of homeowners we work with were denied. Apply to start working with a Hawai‘i Community Lending Navigation Specialist to file appeals to FEMA and SBA for the money you deserve.
Step 4: Reduce Your Monthly Bills
Work with Hawaiian Community Assets to call your creditors to pause or reduce your monthly credit card and loan payments.
Step 5: Apply for Homeowner Assistance Fund
Did you lose income as a result of COVID? You may be eligible for Grants for Past Due Mortgage, Property Taxes, HOA Fees, Utilities
Need More Resources?
If your are a homeowner who lived in Lahaina prior to the fire, apply to the Lahaina Homeowner Recovery Program today!
A BIG MAHALO TO ALL WHO HAVE CONTRIBUTED TO LAHAINA HOMEOWNERS!
Hawai‘i Community Foundation – $5,000,000
Department of Hawaiian Home Lands – $2,500,000
First Hawaiian Bank – $1,000,000
American Savings Bank – $400,000
Bank of Hawai‘i – $400,000
Central Pacific Bank – $100,000
HomeStreet Bank – $100,000
Finance Factors Ltd – $40,000
Hawai‘i National Bank – $40,000
Mahalo Sponsors
Maui Outreach Offices
As we grieve the devastation to our Maui community, we are 100% committed to the recovery effort.
Our long-term goal is to assist those impacted on Maui to rebuild their homes. We are here to support residents throughout this journey, providing guidance, resources, and assistance every step of the way.
We are working to provide essential information and services to those in need. In addition to immediate relief efforts, we are actively setting up a comprehensive ‘toolkit’ filled with resources to aid you on your path to recovery.
Our team has two offices on Maui — one in a converted shipping container in Lahaina and one in Maui Mall in Kahului — so we are on site to respond to your needs and help you recover from the fire destruction.
Kahului Office
In Kākoʻo Maui Resource Hub in partnership with Hawaiian Community Assets
Maui Mall, 70 W. Ka‘ahumanu Ave.
Monday - Friday, 10 a.m. - 6 p.m.
Walk-ins welcome
Lahaina Office
Stationed near the Lahaina Civic Center and the Leiali‘i subdivision
Mon. - Thurs. 9 a.m. to 5 p.m.
walk-ins welcome
Fri. - Sun. by appointment.
Contact Us
(808) 587-7656 (Call or Text)
Our Pledge to Maui ‘Ohana
- Preventing foreclosure and securing land access.
- Financial aid for disaster victims.
- Kānakā Anti-Displacement Fund to protect native Hawaiians.
- Dedicated team working to make rebuilding easier.
Join us on the journey to rebuild and restore Maui’s strength. We’re here for you every step of the way.