FAQs
I have mail and phone calls from my servicer, but I am afraid of dealing with them…
Contact one of the Hawaii housing counselor agencies that provide free trained assistance.
I missed a payment…
Contact your lender immediately to discuss your situation and your options to make a payment.
I am behind more than one payment…
If you have missed your mortgage payments, do not hesitate, contact your lender or a housing counselor.
I am underwater in my mortgage but current on my payments…
Eligible borrowers will be able to take advantage of the recent historically low interest rates by refinancing their mortgage despite their negative equity. Servicers will have to provide up to $3 billion in refinancing relief nationwide.
I gave money to someone who promised to help me with my mortgage problems…
File a scam complaint with DCCA’s Office of Consumer Protection. Provide all the necessary information to the Office of Consumer Protection. File a consumer complaint with the Office of Consumer Protection. It is illegal for anyone to take money from you before doing the work to get your foreclosure or credit problem worked on.
I heard about a non-judicial foreclosure program…
The State set up the Mortgage Foreclosure Dispute Resolution program in 2011 with Act 48.