Loans & Grants

CNHA is a Native Community Development Financial Institution (CDFI) and a HUD-certified housing counseling agency providing grants and loans to address specific needs identified by our communities. CNHA offers loans for energy efficiency improvements, home construction and rehabilitation, and small business. We also provide grants for solar water heaters and matched savings grants to eligible families working towards homeownership. All of our grants and loans are provided in conjunction financial education and technical assistance to ensure our clients have access to the resources necessary to make sound financial decisions. CNHA provides grants and loans focused on long term asset building that supports economically sustainable local communities.


Homestead Energy Program (HEP)

The HEP Program provides loans and grants to families residing on Hawaiian home lands for the purchase and installation of solar water heaters and photovoltaic systems. HEP Application Kit

Solar Water Heater Loan

Please complete application kit and submit all required documents to CNHA, Attention: HEP Grant.

Micro Enterprise Loan Program (MELP)

CNHA’s MELP program supports small business startup, growth and long-term success, The program features loans of up to $50,000 as well as small business training and technical assistance.
How to apply: Please complete application kit and submit all required documents to CNHA, Attention: MELP
080615 MELP Application Kit

Vacant Lot Owner Builder Program (VLOB)

The VLOB Program is an interim construction loan that provides homestead lessees with an option to finance home improvements, repairs or new construction on vacant lots. It’s an ideal product for lessees interested in owner-builder projects.
How to apply: Please complete application kit and submit all required documents to CNHA, Attention: VLOB
VLOB Application Kit 03292014

Housing Counseling Services

CNHA is a HUD approved housing counseling agency providing one-on-one individualized housing counseling services to Hawaii communities. Housing counseling includes multiple sessions with a counselor to include identifying financial/housing goals, credit report review, developing a household budget, mortgage affordability, shopping for a home, home purchase closing and much more. Our counselors will meet with you to assist you with meeting any financial goal. If you are interested in this free service please see our flyer for details. 052217 Housing Counseling Flyer