The federal eviction moratorium put in place by the Centers for Disease Control (CDC) expired on July 31, 2021, and the state moratorium put in place by Governor Ige expires August 6, 2021. See the information below for more information on obtaining rental and mortgage assistance or mediation to avoid eviction or foreclosure.
The American Rescue Plan provided funding for mortgage, rental, and utility assistance programs in Hawaii, in addition to the funding included in the relief legislation passed at the end of 2020. Previous bills and administrative actions have provided various kinds of support and relief for renters, homeowners, and landlords.
The Department of Hawaiian Homelands; Maui, Kauai, and Hawaii Counties; and the City & County of Honolulu have established programs to distribute federal funding for rental, mortgage, and utility assistance. A list of all rental assistance programs and information on eligible expenses compiled by the Hawaii Housing Finance & Development Corporation can be found here.
The Consumer Financial Protection Bureau has created a rental and mortgage assistance finder tool to help renters and homeowners find available assistance in any U.S. state or territory, available here.
Apply for assistance through the Department of Hawaiian Homelands here.
To apply for assistance in Maui County, see Maui Economic Opportunity’s website here.
Apply for assistance in Kauai County here.
To apply for assistance in the City and County of Honolulu, check the OneOahu website here. Applications are currently paused, but the website will be updated when applications are being accepted again.
To apply for assistance in Hawaii County, see the County’s centralized application portal here.
If you are a renter or homeowner with questions about assistance or your rights, the Legal Aid Society of Hawaii has produced a frequently asked questions (FAQ) website with information on the policies put in place by the federal, Hawaii State, and local government, available here.
Mediation: Mediation services are available for those seeking to negotiate a resolution with their landlords, and the passage of Act 57 makes it a required step before eviction. Mediation services are available by county:
Oahu: Mediation Center of the Pacific at https://www.mediatehawaii.org/
East Hawaii: Kuikahi Mediation Center at https://hawaiimediation.org/
West Hawaii: West Hawaii Mediation Center at https://whmediation.org/our-services/landlord-tenant
Maui County: Maui Mediation Services at https://www.mauimediation.org/landlordtenant/
Kauai County: Kauai Economic Opportunity, Inc. Mediation Program at (808) 245-4077 x229 or x237 or email@example.com
Homeowners: The American Rescue Plan provides $9.961 billion for homeowner assistance, administered by state and local governments. This funding is available to those who are experiencing a financial hardship associated with the coronavirus pandemic and whose mortgage is below the conforming loan limit for their county. More information on these programs will become available in the coming weeks.
In response to the COVID-19 pandemic, Congress approved loan forbearance and related assistance for homeowners with federally-backed mortgages through the U.S. Department of Housing and Urban Development (HUD), the U.S. Department of Agriculture (USDA), the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA), and Fannie Mae and Freddie Mac. If your loan falls into this category, your lender or loan servicer cannot foreclose on you until after September 30, 2021.
More information about available assistance can be found on the Consumer Financial Protection Bureau’s (CFPB) website here.
Renters: The American Rescue Plan provided $21.6 billion for rental, utility, and other housing assistance. These funds will be administered through state and local governments. More information on these programs will become available in the coming weeks.
The Centers for Disease Control (CDC) has issued an order temporarily halting residential evictions for nonpayment of rent. Renters seeking this option must complete this declaration and meet certain qualifications. The order expired on July 31, 2021. For more information on this order, visit CFPB’s website here.
Governor Ige has continued to extend Hawaii’s eviction moratorium for nonpayment of rent, but this moratorium is now set to permanently expire on August 6, 2021. See details on the end of the moratorium here.
If a landlord entered into forbearance on a federally-backed loan, the landlord cannot evict tenants for any reason during the forbearance, which may extend beyond September 13, 2021. For more details on these specific provisions, see CFPB’s explainer here.