For education only. I'm a licensed Hawaiʻi REALTOR® and real estate investor — not a lawyer, CPA, or financial advisor — and nothing here is legal or financial advice. It's research-based, general information, and laws, programs, and dollar figures can change. The goal is to spark awareness and proactive action, not to replace professional advice — so always verify current details with the relevant agency or a licensed professional before acting. Always free, no obligation — ever.

Free Homeowner Guides

Plain-English guides for Hawai'i homeowners facing difficult property situations. Download any guide — no sign-up, no obligation, ever.

📚 Free · No sign-up needed · All islands

"Understanding Makes All the Difference."™

Your property is facing a financial threat — a lien, a notice of default, or the possibility of forced sale. These guides explain your rights, your timeline, and every option available to you.

📋
Mortgage Distress & Notice of Default
What a NOD means, your timeline, your rights under MFDR, and every option from loan modification to short sale.
8 pages
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Foreclosure
Understanding Hawai'i's foreclosure process, your rights, the MFDR mediation option, and how to protect your equity before it's too late.
6 pages
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Short Sale
When you owe more than your home is worth — what a short sale is, the timeline, the no-guarantee warning, and every alternative.
8 pages
Download
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Property Tax Lien
Unpaid property taxes become a lien that accrues at 12%/year. County vs. federal liens, payment plans, and your options by county.
8 pages
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🏘️
HOA Lien
Hawai'i's super-lien law means an HOA can foreclose ahead of your mortgage. Timeline, options, and the critical warnings.
6 pages
Download

Your property isn't in immediate distress — but a life event means you need to make a decision about what to do with it. These guides help you understand your options before you decide.

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Divorce & Your Home
Hawai'i's equitable distribution model, the 5 property categories, your 3 options, and the partition action warning.
6 pages
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🏡
Senior Homeowners
Property tax exemptions, reverse mortgage warnings, deed fraud, financial scams targeting seniors, and best practices to protect yourself.
8 pages
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✈️
Relocating to the Mainland
HARPTA, capital gains timing, STR laws by county, the real cash flow numbers, and what to do before you board that plane.
8 pagesAlso in: Vacant or Rented
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🏠
Inherited Property & Probate
Navigating probate, 5 ways to avoid it, TOD deed warnings, DHHL considerations, and action plans for military and civilian surviving spouses.
10 pages
Download

Your property is vacant, rented, or you're evaluating whether to rent or sell. These guides help you understand the real numbers, your legal obligations, and your options.

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Vacant Property
The real costs of vacancy, liability risks, county ordinances, and your options — sell, rent, or secure.
6 pages
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🔑
Landlord Fatigue?
Diagnose before you decide. Hawai'i eviction timeline, Act 278 mediation, cash flow worksheet, and the two-phase action plan.
8 pages
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Relocating to the Mainland
The sell vs. rent real numbers, STR restrictions by county, HARPTA timing, and what to do before you leave.
8 pagesAlso in: Needs a Decision
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Your property qualifies for specific legal protections, federal programs, or trust-based rights that most homeowners cannot access. These guides explain what applies to you and how to use it.

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Military, Veteran & Surviving Spouse
SCRA protections, PCS options, VA loan benefits, property tax exemptions, HAP, and a full guide for surviving spouses.
8 pages
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🌺
Native Hawaiian Homeowner
DHHL leases, the waitlist, Section 184A loans, OHA programs, lease succession, and open market options for Native Hawaiian families.
8 pages
Download

Your crisis has passed — you saved your home, sold it, or went through foreclosure. These guides explain what comes next: your credit timeline, tax obligations, and how to move forward.

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After the Save
You negotiated a modification, forbearance, or caught up on payments. Now learn how to protect that win, rebuild financially, and prevent a relapse.
8 pages
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After the Sale
Your home sold — short sale, open market, or investor offer. Understand your tax obligations, credit recovery timeline, and what to do with the proceeds.
8 pages
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After the Loss
Foreclosure, deed-in-lieu, or an unwanted sale has passed. This guide explains the credit timeline, tax implications, 1099-C, and how to move forward with dignity.
8 pages
Download

Nothing has gone wrong yet — or you're looking for financial assistance. These guides help you protect your home before problems start and connect you with programs that can help.

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Prevention Guide
Six universal habits, a 5-year prevention timeline, and situation-specific tips for every homeowner scenario on this site. Best read before anything goes wrong.
8 pages
Download
💰
Grants & Financial Assistance
25+ military, federal, state, and nonprofit programs for Hawai'i homeowners — covering mortgage payments, property taxes, HOA fees, and emergency housing costs.
8 pages
Download

Every guide in one place. Download any or all — free, no sign-up, no obligation.

🛡️Prevention Guide8 pages 📋Mortgage Distress & NOD8 pages 🏚️Foreclosure6 pages 💸Short Sale8 pages 🏦Property Tax Lien6 pages 🏘️HOA Lien6 pages ⚖️Divorce & Your Home6 pages 🏡Senior Homeowners12 pages ✈️Relocating to Mainland8 pages 🏠Inherited Property14 pages 🏚️Vacant Property6 pages 🔑Landlord Fatigue?8 pages 🪖Military & Veteran8 pages 🌺Native Hawaiian8 pages 🌱After the Loss8 pages 🌅After the Sale8 pages 🌿After the Save8 pages 💰Grants & Assistance8 pages

"Informed Decisions are the Best Decisions."™