OʻAHU HOMEOWNER
ASSISTANCE FUND

MORTGAGE & UTILITY RELIEF FOR HONOLULU RESIDENTS

E KALA MAI, WE HAVE REACHED THE 1,000 APPLICATION LIMIT. APPLICATIONS ARE TEMPORARILY PAUSED UNTIL FURTHER NOTICE.

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Our Purpose

Seeing the community need during this pandemic, The Council for Native Hawaiian Advancement is providing mortgage and utility assistance, as well as housing and legal counseling, for homeowners on Oʻahu impacted by the COVID-19 pandemic.

Eligible Expenses

arrears from January 21, 2020 to current

  • Mortgage (6 month cap on past due payment assistance)

  • Utilities (electric, gas, water/sewer, trash)

  • Homeowners Insurance fees

  • Homeowners Association fees

  • Real Property Tax

  • Housing Counseling Services

  • Legal Services

Funds will go directly to vendors whom you have an obligation with.

E KALA MAI. WE HAVE REACHED THE 1,000 APPLICATION LIMIT. APPLICATIONS ARE TEMPORARILY PAUSED UNTIL FURTHER NOTICE.

Please complete your application using the Chrome, Firefox or Safari web browsers.

The Council for Native Hawaiian Advancement (CNHA) has temporarily halted accepting applications for this program.

 

This temporary halt in acceptance of applications will allow program administrators time to review eligibility of the first 1,000 applications submitted since the Oahu HAF program opened on January 21, 2022.

 

Once CNHA is done verifying the first 1,000 applicants, the application portal will be reopened at a later date to handle the next round of applications. People who have partially completed their online applications should continue to submit required information and other application materials through the personalized link they were provided.

Here are the qualifications for the program and the documents needed for an application when the program opens:

Priority Groups

  • Total household income at or below 100% Area Median Income (AMI).

OR

  • Socially disadvantaged individuals. Socially disadvantaged individuals are those who have experienced socioeconomic hardships for reasons beyond their control, which consequently has had a negative impact on housing stability. Indicators may include being subjected to racial or ethnic prejudice or cultural bias within American society, a resident of a majority-minority Census tract or a persistent-poverty county.

Honolulu County 100% Area Median Income (AMI) Table

Household Size

1 person

2 people

3 people

4 people

5 people

6 people

7 people

8 people

$120,800

$130,500

$140,150

$149,800

$159,500

Annual Household Income

$84.600

$96,650

$108,750

Eligibility Requirements

1.    Must be an Oʻahu Resident

2.    Must be 18 or older

3.    Must be a homeowner

4.    AMI at or below 150% per HUD guidelines

5.    Must provide proof of financial hardship associated with the COVID-19 pandemic after Jan 21, 2020 (either a 10% decrease in income or 10% increase in expenses)

6.    Housing Counseling OR Legal Aid Services is a requirement.

7.    The Household does not have an interest (full or partial interest) in other real property besides the primary residence.

8.    The Household does not have more than 5-months of housing expenses in liquid assets.

Documents Needed To Apply

  1. Identification

    • Hawaii State ID or Drivers License

      • Passport, Military ID, Out of State ID (with support of Oahu residency)

    • Social Security Card or Tax Documents verifying your social security number

  2. Proof of Homeownership

    • Up to date Mortgage Statement or Foreclosure Notice

  3. Proof of Financial Hardship

    • Unemployment Insurance (UI) Eligibility Letter dated on or after January 21, 2020

    • Screenshot of the most recent approved Unemployment Insurance Payment Receipt online portal dated on or after January 21, 2020

    • Furlough/Layoff Letter dated on or after January 21, 2020.

    • At least 2 months of wage statements indicating a reduction of income dated on or after January 21, 2020

  4. Proof of Housing Instability

    • Past due mortgage statement or foreclosure notice

    • Past due utility notice dated no earlier than 300 days prior to the application submission date

    • Utility shut-off notice dated no earlier than 30 days prior to the application submission date

    • Proof Of Unsafe or unhealthy living conditions

    • Applicant’s written attestation of their risk of experiencing housing instability.

  5. Proof of AMI

a. Annual Income for calendar year 2020 (may use adjusted gross income as defined for purposes of reporting under IRS Form 1040)

  • 2020 1040

  • Wage Statements (e.g. 2020 W-2’s or 1099s)

  • Interest Statements

  • Unemployment Compensation Statements

  • Documents verifying net income from the operation of a business or profession (e.g. Schedule C, 1099)

  • Documentation indicating full amount received from Social Security, annuities, insurance policies, retirement funds, pensions, disability or death benefits, and other similar types of periodic receipts

  • TANF

  • Child Support

b. Two months of most recent income (income source documentation for at least two months prior to submission of the application)

  • Wage Statements (e.g. paystubs)

  • Interest Statements

  • Unemployment Compensation Statements

  • documents verifying net income from the operation of a business or profession (e.g. Profit & Loss Statement)

  • Documentation indicating full amount received from Social Security, annuities, insurance policies, retirement funds, pensions, disability or death benefits, and other similar types of periodic receipts

  • TANF

  • Child Support

Mortgage Assistance

Service lender participation is a requirement for mortgage assistance. Here is a list of current participating service lenders:

  • AmeriNat 

  • Cardinal

  • Carrington

  • Citizens Bank

  • Community Loan Servicing, LLC

  • Dovenmuehle

  • Fay Servicing

  • Finance Factors

  • First Hawaiian Bank 

  • Flagstar Bank

  • Freedom Mortgage 

  • Gregory Funding 

  • Guild Mortgage 

  • HomeStreet Bank 

  • Lakeview Loan Service LLC

  • Land Home Financial Services

  • Loan Depot

  • M&T Bank

  • Mr. Cooper

  • Navy Federal Credit Union

  • PennyMac 

  • PNC Bank

  • Rushmore Loan Services

  • Selene Finance 

  • Service Mac

  • Specialized Loan Servicing 

  • Territorial Savings Bank 

  • Wells Fargo Bank

If your service lender is not listed above, please forward our contact details (ohaf@hawaiiancouncil.org) to them. We are prepared to work with the appropriate service lender contacts and collaborate to assist Oahu’s Homeowners.

Have any questions? Contact us by email at ohaf@hawaiiancouncil.org

This project is being supported, in whole or in part, by federal award number HAF0002 awarded to the State of Hawaii by the U.S. Department of the Treasury.