Housing counseling

Homeownership Counseling Program

Purchasing a home may be the largest investment in a person’s lifetime. While the idea of becoming a homeowner is exciting, there are many factors to consider.  Hale Mahaolu’s Homeownership / Housing Counseling Program is a U.S. Department of Housing and Urban Development (HUD) approved Comprehensive Housing Counseling agency providing housing and financial counseling to individuals and families looking for information that can help improve their current credit standing that could lead into homeownership.  The program offers both individualized in-person and group counseling services on a variety of topics covering basic Financial Literacy education, Pre-purchase and Post-purchase counseling, Mortgage delinquency/default counseling, Rental and Fair housing counseling, and Predatory lending counseling.

About the Program

Since 1989, Hale Mahaolu has been a HUD-Approved Comprehensive Housing Counseling Agency servicing the entire State of Hawaii with a primary focus for Maui County (Maui, Lanai and Molokai) residents.   Most of the counseling services provided through the Homeownership / Housing Counseling program are at no cost to the participants.  Funding for the program is made possible at times by grants from:

  • Alexander & Baldwin, Inc
  • Bank of America
  • Central Pacific Bank
  • County of Maui
  • Hale Mahaolu
  • Neighbor Works America
  • State of Hawaii
  • U.S. Department of Agriculture Rural Development
  • U.S. Department of Housing and Urban Development
  • Wells Fargo Housing Foundation

In-Person Homebuyer Education Classes

Hale Mahaolu’s Homebuyer Education Classes help potential homebuyers understand the ins and outs of the home buying process.  The 8-hour educational class is split into two 4-hour sessions covering the following topics:

  • Are You Ready to Buy a Home?
  • Managing Your Money
  • Understanding Credit
  • Obtaining a Mortgage Loan
  • Shopping for a Home
  • Protecting Your Investment

To receive the Homebuyers Education Certificate of Completion, attendance for both days is required.

To register for the in-person class:        https://halemahaoluhbclass2.eventbrite.com

Cost $75.00 per household

Cost includes:  Class Manual, Financial Binder, and Certificate of Completion


Optional 1-Hour Individualized Counseling Session (No Charge)

Meet and work with a housing counselor to review your credit score and setup a personal spending  plan (budget) to help with achieving homeownership.

2018 Homebuyers Education Classes

July – December 2018


In-person Classes:

To register for the in-person class:        https://halemahaoluhbclass2.eventbrite.com

** Class dates and times are subject to change.  Cost: $75.00 per household

 

 

Hale Mahaolu Ehiku Community Hall**

56 Ehiku Street, Kihei, HI  96753

8:30 am –12:30 pm

Sunday – July 8 & 22

Sunday – August 5 & 12

Sunday – September 9 & 16

Sunday – October 14 & 21

Sunday – November 4 & 11

Sunday – December 2 & 9

 

 

Hale Mahaolu Lahaina Surf Community Hall**

Baker Street, Lahaina, HI  96761

4:30 pm – 8:30 pm

Wednesday – July 18 & 25

Wednesday – August 15 & 22

Wednesday – September 19 & 26

Wednesday – October 17 & 24

Wednesday – November 7 & 14

Wednesday – December 5 & 12


Parking Note:

Hale Mahaolu Lahaina Surf Community Hall, Baker Street, Lahaina, HI  96761

(No parking available on property (resident parking only).  Available parking is along Baker Street or at the nearby Methodist Church)

Hale Mahaolu Ehiku Community Hall, 56 Ehiku Street, Kihei, HI  96753

If parking on property, please park in un-numbered stalls to avoid being towed.  You may also do street parking outside the property.


Contact info:  Marlynn at 808-242-7027 or Keri at 808-661-5957 Monday – Friday or 808-283-2665 the day of the event.

Online Course

Cost $75.00 per Household

Buying a home is a big deal.  Do it right!

Once upon a time, buying a home was simple.  Today, the game has changed.  Whether this is your first home or your fifth home, you need to be savvy and proactive.  With home buyer education, you can be.  It’s not just about buying a home, it’s about making the mortgage payments on time.  Research shows that informed home buyers are successful homeowners.

Framework is the only online home buyer course designed by experts in online learning.  It’s comprehensive, so you’ll have all the fact’s you’ll need to navigate every step of the home buying process. You can learn your own pace using your laptop, tablet or cell phone. To get started visit the link below.


Online class registration:  https://halemahaolu.frameworkhomeownership.org/


Effective January 1, 2018 a one-to-one counseling session is required before the online Homebuyer Certificate can be issued.


Contact info:  Marlynn at 808-242-7027 or Keri at 808-661-5957 Monday – Friday to setup your individualized counseling session.

Pre-Purchase Counseling

Pre-purchase counseling is offered on an individual client basis and helps the potential homebuyer to prepare for a home purchase.  Areas of assistance may include:

  • Creating an Individualized Budget
  • Building Your Savings
  • Establishing and Repairing Credit Issues
  • Finding the Right Mortgage Product
  • Mortgage Application Process
  • Finalizing and Closing the Mortgage Loan

Mortgage Delinquency/Default Counseling

At times homeowners find themselves near default with their mortgage payments due to various reasons which may include a divorce or death of a spouse, a reduction or loss of income, medical issues or changes in family responsibilities.  Hale Mahaolu’s Housing Counseling Program can help to educate homeowners in understanding their options, which will enable the homeowner to make an informed decision in trying to resolve their housing issue.  Topics may include the following:

  • Foreclosure Prevention Options
  • Setting up a Home Spending Plan ( Budget)
  • Learning Money Management Techniques
  • Applying for Various Mortgage Loan Modifications
  • Repayment/ Forbearance options
  • Pre-foreclosure Sale Options ( Short Sale)
  • Deed-in-Lieu

A key component in effectively resolving many homeownership issues is active client participation.  As a good faith effort in exchange for receiving counseling services at no cost, clients must take an active role in resolving their homeownership issues; this in turn will lead them to successfully resolving many of their housing issues.