🏠 Your Situation 📚 Free Guides 💰 Grants & Assistance 🛡️ Prevention ✅ After the Crisis (Save, Sale, Loss) 📖 Stories 📖 Glossary About Barbara Contact Let's Talk Through Your Options →

⚖️ Important: I'm a licensed Hawai'i REALTOR® and real estate investor — not a lawyer, CPA, or financial advisor. Nothing here is legal or financial advice. No sign-up required. No obligation. Ever.

🌺 Free Education for Hawai'i Homeowners

Understand your rights & options
before you decide.

Plain-English guides and honest conversation for Hawai'i homeowners facing difficult property situations. No sign-up. No pressure. No obligation.

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"Understanding Makes All the Difference."™

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Find Your Situation

What best describes your property?

Tap any topic to learn your rights, understand your timeline, and explore every option available to you.

🚨 My Property Is At Risk
📋 Mortgage Distress & NOD Behind on payments or received a Notice of Default Learn more → 🏚️ Foreclosure Facing or in the foreclosure process Learn more → 💸 Short Sale Owe more than your home is worth Learn more → 🏦 Property Tax Lien Unpaid property taxes or a tax lien recorded Learn more → 🏘️ HOA Lien Unpaid HOA dues — Hawai'i's super-lien law Learn more →
🤔 My Property Needs a Decision
⚖️ Divorce & Your Home Going through a divorce that involves your property Learn more → 🏡 Senior Homeowners Protections, benefits, scams & warnings Learn more → ✈️ Relocating to Mainland Moving away — sell, rent, or hold? Learn more → 🏠 Inherited Property Inherited a home — probate & your options Learn more →
🔑 My Property Is Vacant or Rented
🏚️ Vacant Property Property sitting empty — costs & risks Learn more → 🔑 Landlord Fatigue? Tired of managing a rental — diagnose first Learn more → ✈️ Relocating to Mainland Sell vs. rent — the real Hawai'i numbers Learn more →
🛡️ My Property Has Special Protections
🪖 Military & Veteran SCRA, VA benefits, PCS options & survivor rights Learn more → 🌺 Native Hawaiian DHHL leases, OHA programs & land rights Learn more →
✅ I Resolved My Crisis — What's Next?
🌱 After the Save You saved your home — close it out and prevent recurrence Learn more → 🌱 After the Loss You lost your home — the path to rebuild Learn more → 🌱 After the Sale You sold your home — complete the cleanup Learn more →

Resources & Support

Programs, Prevention & Financial Help

Financial assistance programs and prevention resources for Hawai'i homeowners — wherever you are in your journey.

💰
Grants & Financial Assistance 25+ military, federal, state & nonprofit programs for Hawai'i homeowners. Even if your primary situation isn't listed above, you may still qualify for financial help. Browse All Programs →
🛡️
Prevention — Catch It Early Six universal habits plus situation-by-situation prevention tips for every homeowner scenario on this site. If nothing has gone wrong yet, you're already ahead. Explore Prevention →

📚 18 Free Downloadable Guides

Plain-English booklets for every situation — written for Hawai'i homeowners, not attorneys. Download any guide instantly. No sign-up. No obligation.

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Barbara Coote

Barbara Coote

Retired U.S. Army Lt. Colonel · Licensed Hawai'i REALTOR® · Real Estate Investor. One mission: to make sure you understand your situation before you make any decision.

About Barbara →

"Informed Decisions are the Best Decisions."™