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HCL offers forbearances for federal employees impacted by shutdown

Credit Builder Loan

Hawai‘i Community Lending is offering temporary relief to federal workers in Hawai‘i to ensure they do not lose their homes amid the ongoing government shutdown.

The nonprofit mortgage lender announced it is providing temporary forbearance to allow its eligible borrowers to pause loan payments. During the forbearance period, loans will remain in good standing, though interest will continue to accrue. Once payments resume, HCL will extend the loan term so that monthly payments remain unchanged.

HCL Executive Director Jeff Gilbreath said the organization has reached out to affected borrowers, informing them they may qualify for the forbearance option.

The lender says that 10 percent of its homeowners are federal employees, meaning that more than 60 families are impacted by the government shutdown. Gilbreath encourages these homeowners to contact HCL immediately. “We stand with our families, and we want to be sure you get the support you deserve from your community,” he said.

“HCL is able to do this because we have the flexibility to make decisions about how our financial institution serves the community,” Gilbreath said. “When crises occur, we are committed to meeting our borrowers where they are at and provide the type of relief all families should expect when a crisis places our people in financial hardship through no fault of their own.”

To apply for a loan forbearance, call HCL at (808) 587-7656, or email servicing@hawaiicommunitylending.com. Applicants will be required to complete a loan modification request form and provide documentation confirming furlough or termination status.

“It is our hope that other financial institutions will also step up during this time of need to extend relief to their borrowers and homeowners,” Gilbreath said.

See full article at Maui Now

About Aikū’ē Kalima

Aikūʻē Kalima, former Native Hawaiian Revolving Loan Fund Manager for the Office of Hawaiian Affairs, joined Hawaiʻi Community Lending (HCL) in 2024 and serves as its Enterprise Loan Manager.

With more than 25 years of experience in community development, mortgage lending, and mission-driven finance, Kalima brings extensive expertise in expanding access to capital for underserved communities. In his current role, he manages HCL’s Social Enterprise Loan Program, providing financing to businesses supporting affordable housing development and services for low- and moderate-income families across Hawaiʻi. He also leads the development of HCL’s Kūkulu Partner Program, which builds a trusted network of contractors and builders to help connect families with qualified housing professionals while expanding access to capital for local businesses.


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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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