Hawaiian Community Assets
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Housing & Financial Counseling
Housing Education & Financial Literacy Workshops
Training & Technical Assistance
Tax & FAFSA Preparation
Hawaii Tenant Referral Services
Loan Packaging & Processing
~ Gladys Kauhale, with her Ohana, Homeowners

~ Tarrah Horner with husband Noa John Horner and daughter Rista, Homeowners


Services > FAQS

Who is Hawaiian Community Assets?
HCA is a HUD-certified housing counseling agency and Native Community Development Financial Institution (CDFI) that assists low- and moderate-income Hawai'i families secure and sustain permanent housing with a particular focus on Native Hawaiians.

What is a HUD-approved housing counseling agency?
There are approximately 1,800 HUD housing counseling agencies in the United States, approved by HUD (Department of Housing and Urban Development) to deliver housing education and counseling services. HUD-approved housing counseling agencies are required adhere to HUD compliance standards, including submission of quarterly client reports, training and certification of staff, adherence to established organizational policies and procedures, and administration of an annual HUD audit.

What is a Native Community Development Financial Institution (CDFI)?
A CDFI is a non-government, non-profit financial institution certified by the United States Department of Treasury to provide development services (i.e. housing and financial education) and financial products to low- and moderate-income individuals and communities. A Native CDFI is required to provide at least 60% of its development services and financial products to Native populations.

Where are you located?
HCA has offices on Maui, O'ahu, Big Island, and Kauai. Our specific addresses are:

1050 Queen Street, Suite 201
Honolulu, HI 96814

Big Island
260 Kamehameha Avenue #207
Hilo, HI 96720

4523 Ioane Road
Anahola, HI 96703
Toll-free: 1.866.400.1116

Do you only serve Native Hawaiians?
No. We serve all low- and moderate-income families living in Hawai'i and we are specialized in serving the housing needs of Native Hawaiians. Our philosophy is rooted in the Hawaiian concept of Kahua Waiwai – Foundation of Wealth – where the home is viewed as the kahua (foundation) and the spiritual, educational, and financial assets of the family as the waiwai (wealth).

What programs do you provide?
Visit our webpage "Programs"

What services and products do you provide?
Visit our webpage "Products / Services"

Does it cost to receive your programs/services?
No. There is no cost to receive housing education and counseling services from HCA. Our organization is able to cover the costs of providing programs/services by securing grants, training and service contracts, and donations as well as through sale of its Kahua Waiwai© curricula series and revenue generated through its community lending program – Hawai'i Community Lending.

How do I enroll in your programs/services?
You are required to complete a client intake session before you can access HCA’s free housing and financial education services. To enroll in our programs and services, you first need to contact a local HCA office in your County to receive a client intake packet and schedule a client intake session. Once you complete the packet and gather COPIES of required financial documents, HCA can enroll you in our programs and services so you can start on the process of achieving your housing goal.

How do I get a homebuyer education certificate?
You must complete intake, attend a workshop, and complete at least two counseling sessions (credit report review and financial assessment). We can make exceptions depending on how soon you need your certificate, but that is on a case-by-case basis.

How are you funded?
We are funded by grants, fee-for-service contracts, and donations. We also sustain our programs by selling our Kahua Waiwai© curricula series and training organizations on how to deliver financial education programs in their own communities using Kahua Waiwai©.

Are you a mortgage lender? Do you do refinancing for home loans?
No. HCA is not a mortgage lender and cannot refinance home loans; however, our certified Community Services Specialists present mortgage lending and refinancing options with mainstream financial institutions and, through our Hawai'i Community Lending program, potentially package your loan to access affordable financing.

Can you give me money for housing and needs?
No, but we can assist you in finding money in your existing budget. We do this by developing an affordable budget, identifying ways to build/improve credit, and enrolling you in our financial products and asset building services so you can build savings and take advantage affordable housing opportunities.

Toll Free

Honolulu: 808-587-7886
Hilo: 808-934-0801
Anahola: 808-632-2070
Wailuku: 808-727-8870
Client: Rent/Purchase

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