Frequently Asked Questions
HCA is a HUD-certified housing counseling agency that assists low- and moderate-income Hawai’i families secure and sustain permanent, affordable housing with a particular focus on Native Hawaiians.
There are approximately 1,750 HUD housing counseling agencies in the United States, certified by HUD (Department of Housing and Urban Development) to deliver housing education and counseling services. HUD-certified 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.
HCA has offices on Maui, O’ahu, Big Island, and Kauai. Our specific addresses are:
Hawai‘i Financial Opportunity Center
1315 Kalanianaole Avenue
Hilo, HI 96720
Kaua‘i Financial Opportunity Center
4523 Ioane Road
Anahola, HI 96703
Maui Financial Opportunity Center
24 N Church Street, Suite 210
Wailuku, HI 96793
O‘ahu Financial Opportunity Center
200 N Vineyard Boulevard, Suite B140
Honolulu, HI 96817
No. We serve all low- and moderate-income individuals and families living in Hawaii, 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).
Visit our website for information on opportunities & programs: www.hawaiiancommunity.net/#programs
Visit our website for information on our services: www.hawaiiancommunity.net/#services
No. There is no cost to receive services from HCA through our Financial Opportunity Centers. We cover the costs of providing services using grants, contracts, donations, sale of our Kahua Waiwai© handbooks, and loan interest and fees generated through our community development financial institution – Hawaii Community Lending.
You can enroll in a Financial Opportunity Center by completing a client intake to access HCA’s free services. You can complete the client intake online, over the phone, or in-person. With a completed intake, you can enroll in one of our workshops. To qualify for one-on-one counseling, you will need to provide required financial documents. These documents will help HCA better serve you and your family and in determining your actual income to qualify you for grants, loans, and affordable mortgage programs.
You must complete a client intake and attend an 8-hour homebuyer workshop. The certificate will qualify you for free financial counseling which includes a credit report every 6 months as well as grants, loans, and affordable mortgage programs.
We are funded by grants, fee-for-service contracts, and donations. We also sustain our services by selling our Kahua Waiwai© handbooks and training organizations on how to deliver financial education programs in their own communities using Kahua Waiwai©.
No. HCA is not a mortgage lender and cannot refinance home loans; however, our certified counselors present mortgage lending and refinancing options with mainstream financial institutions and, through our community development financial institution, Hawai’i Community Lending, potentially package your mortgage loan.
We may have grants and loans that can assist you with obtaining a rental, purchasing a home, or keeping your home. We can also 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.
Mahalo Sponsoring Partners
Please consider a donation
We fulfill our mission only through donations, grants and community fundraising events. Anything given to the Hawaiian Community Assets will be applied to funding our ongoing operation. We are constantly working hard to assist those who need help and your donations, no matter how small, could be just enough to make a huge difference to improve the quality of life for others.
Hawaiian Community Assets is a 501(c)3 nonprofit, HUD-approved housing counseling agency and community lending institution that builds the capacity of low- and moderate-income communities to achieve and sustain economic self-sufficiency with a particular focus on Native Hawaiians.