Foreclosure Help in Hawaii: Your Rights, Options & Local Resources

🌊 Foreclosure Help in Hawaii: You’re Not Alone

If you’re researching how to stop foreclosure in Hawaii, this guide offers clear answers and trusted resources that can help you take control. First, please know this: you're not alone — and you do have options.

As someone who’s walked side by side with families during some of their most difficult moments, I understand how overwhelming this situation can feel. At Team Alaka‘i, led by Matty Wong, our mission is to support our local communities with compassion, honesty, and real solutions — not pressure.

Let this be your guide to understanding the foreclosure process in Hawaii and the choices available to you.

⚖️ What is Foreclosure in Hawaii?

Hawaii is unique in that it allows both judicial (court-ordered) and non-judicial (out-of-court) foreclosure processes.

A typical foreclosure timeline includes:

• Late or Missed Mortgage Payments

• Notice of Default

• Notice of Intent to Foreclose (Pre-Foreclosure)

• Auction Scheduled

• Eviction (if applicable)

The good news? In most cases, homeowners have 90 to 120+ days from the first missed payment to take action. That time is valuable — and it’s yours to use.

🧡 Foreclosure Help in Hawaii: Your Options to Avoid It

There’s no one-size-fits-all solution, but there are paths forward. Here are some of the most common ways Hawaii homeowners avoid foreclosure:

• 💳 Loan Modification

  • Renegotiate your loan terms with your lender. This can reduce your interest rate, extend your loan term, or roll missed payments into the balance.

• ⏰ Forbearance

  • Temporarily pause or reduce your mortgage payments during short-term financial hardship (often used after job loss or illness).

• 💵 Reinstatement

  • Pay all missed payments in full to bring your loan current.

• 🤝 Repayment Plan

  • Work with your lender to divide missed payments into smaller amounts added to your regular monthly bill.

• 📈 Refinancing or Bankruptcy

  • Depending on your equity or legal situation, these could buy you time or restructure your debt. It’s essential to speak with a HUD-approved housing counselor or attorney.

• 🏠 Selling Before Auction

  • If keeping the home isn’t financially viable, you may be able to sell — and walk away with cash, credit intact, and peace of mind.

    • Traditional Sale: If you have equity

    • Short Sale: If you owe more than the home is worth (requires lender approval)

🚪 Why Selling Isn’t Giving Up — It’s Taking Control

For many homeowners, selling before foreclosure is the best decision they could make.

It’s not a failure. It’s a strategic move to protect your future, your finances, and your family. You avoid a public auction, potential eviction, and years of credit damage.

And when you choose to work with a local team that truly cares, you get a chance to move on with dignity.

💬 Local Help is Available

You don’t have to navigate this alone. Here are resources that can support you:

👥 Free Housing Counselors

• HHOC Housing and Financial Counseling: www.hhoc.org

• Legal Aid Society of Hawai‘i: www.legalaidhawaii.org

🤝 Why Work With Our Team?

When you’re going through something as heavy as foreclosure, who you work with matters.

At Team Alaka‘i, we’re more than just real estate professionals — we’re your neighbors, your advocates, and your trusted guides through one of life’s toughest seasons.

• Moses Bell — Foreclosure Outreach Specialist who leads with heart and integrity

• Matty Wong — Broker and Team Leader dedicated to empowering Hawaii’s homeowners with options, not pressure

We listen first, and we act with aloha every step of the way.d

✨ You Can Take the First Step Today

If you’re feeling stuck, scared, or unsure — please reach out. There’s no cost and no pressure to speak with us. We’re here to help you figure out the best solution for your unique situation.

And if you know someone who might be in this situation, please share this blog. It might be the first step in turning things around.

🚫 Don’t wait until the auction is scheduled. Contact us early, and we’ll walk you through every option with compassion and clarity.

Mahalo for trusting us.