Financing
Resources to help you navigate and finance your build.
There are various ways to finance the construction of a new home. Whether you choose to utilize your homeowners insurance or a construction loan, it is important to explore all of your options with the advice of a licensed insurance agent or loan officer.
CNHA Hawaiian Homestead Construction Loan
The Council for Native Hawaiian Advancement (CNHA) is a Hawaii member based non-profit organization with over 1,000 members of non-profit and for-profit businesses. We are a Certified Native Community Development Financial Institution (CDFI) and a Certified HUD-Housing Counseling agency cultivating community loan funds to catalyze capacity building and promotion of minority-owned asset advancement towards financial sustainability and community contribution.
In alignment with it’s mission, CNHA facilitates a $9 million dollar Loan Fund providing access to loan capital, financial education, and individualized financial counseling services for Hawaii-based small businesses, non-profit organizations and low and moderate-income families.
Central Pacific Bank
During this challenging time, we want you to know that CPB is here for you. Whether you have questions about home financing options, require assistance with construction loans, or are considering a Home Equity Line of Credit (HELOC) to help pay for necessary repairs, our team of experts is here to provide guidance and answer any questions you may have.
Our Lahaina Branch is also open for business. Visit us at 355 Keawe Street, Suite 401 in the Lahaina Gateway, or call 808-544-0500 for directions or to book an appointment.
Equal Housing Lender. Member FDIC.
Financing Inquiries:
Cindi Pojas Smith
VP, Mortgage Loan Officer (Maui)
808-872-9066
NMLS #525983
Kim Macadangdang
Mortgage Loan Officer (Maui)
808-281-5861
NMLS #543070
General Inquiries:
Rose Koyama
AVP, Lahaina Branch Manager
808-249-6792
NMLS #543010
Lahaina Homeowner Recovery Program
Hawaii Community Lending (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 Leialii 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 Leialii families, committing ourselves to help them prevent displacement and rebuild.
Now, HCL has been called on to expand our services under the Lahaina Homeowner Recovery Program to serve all Lahaina owner-occupant homeowners.
Eligibility: Lahaina homeowner, lived in home as primary residence before impact, and have a first mortgage.
Services: FEMA and SBA loan applications and appeals, access to grants and loans to prevent foreclosure, assistance with forbearance and modifications of first mortgages, referrals to emergency financial counseling and filing insurance claims, and assistance with obtaining construction and mortgage financing for rebuilding from HCL or its partner lenders.
Hawaiʻi Financial Services
Wholesale mortgage brokerage services, providing the most cost-effective rates & terms on a wholesale level for purchasing, refinancing, construction, first time homebuyer, VA & 100% financing. We work for you and not the banks, using one credit report to shop all mortgage lenders who lend in Hawaii on a wholesale level.
American Savings Bank
Unsure where to start? Schedule an appointment with one of our home loan experts and we’ll walk you through a variety of financing options and help find the one that’s right for you. From application to servicing, the entire loan process is handled locally so we can provide the attention and care you need and deserve.
First Hawaiian Bank
First Hawaiian Bank is dedicated to supporting the Maui community. We can assist Maui homeowners in rebuilding their home with a Construction-to-Permanent Loan. We have flexible financing options with interest-only payments during the construction period.
Our team of knowledgeable Mortgage Loan Officers can guide you through the process.
Email Lorrie Onaga (lonaga@fhb.com) or Rick Smith (rsmith@fhb.com) for more information.
Subject to credit and loan approval. Certain other restrictions may apply. Not available for 3 and 4-unit dwellings and manufactured homes.
Want to recommend another financial resource ?
Email us at kakoohousing@hawaiiancouncil.org
Resource Criteria: Lahaina specific wildfire relief program or free/reduced fees to wildfire impacted property owners.