4 Step Program

Nā Hale O Maui is a non-profit organization that provides affordable housing ownership to low and moderate income households. NHOM retains ownership of the underlying land and sells the improvements (house) to the homeowner coupled with a sustainable long-term renewable and inheritable 99 year ground lease. The homeowner must occupy the home and has full exclusive use of the land.

Nā Hale O Maui has just purchased 12 lots in the Kahoma Residential workforce housing subdivision in Lahaina, Maui in early March, 2017.  In addition to Nā Hale O Maui’s Homebuyer Selection guidelines, families on our qualified buyer list that work and/or live in West Maui and have gross annual income between 80.1% – 120% of the annual median income as determined by the County of Maui, will have the opportunity to purchase a home.  A revised estimate is that the first homes may start construction in the first quarter of 2019. Please visit our website from time to time to check for updates on NHOM homes in the Kahoma Residential subdivision.

It is most important that you work on completing our 4 Step Program so that you can be added to our list of qualified homebuyers. Once your name has been added to our qualified homebuyer list and units become available then you will be able to participate in our homebuyer selection process. You must meet the income qualifications for the particular unit you are interested in purchasing.

Nā Hale O Maui 4 Step Program for Affordable Housing includes the following:

  1. Attend Hale O Maui Homebuyer Seminar - By attending our seminar you have completed the first step. Next Free Homebuyer Seminar scheduled:

    Saturday, March 30, 2019 

    Reserved Seating.       Phone: 244-6110  or  Email: info@nahaleomaui.org

  2. Get a pre-qualification or pre-approval letter from your lender - You may work with any lender you choose for this step, however they may not necessarily be willing to loan on leasehold community land trust property. The following lending institutions have reviewed our ground lease and are willing to provide competitive loans secured by mortgages on leasehold real estate property. We have other lending institutions that are in the process of reviewing our documents and we will make those names available as they are confirmed.

    • American Savings Bank -- Lisa Carillo - 872-4991, cell 463-2296
    • Home Street Bank -- Sandy Rice 872 -1160
  3. Attend a homebuyer education financial workshop - Being offered by 2 different organizations. These classes are offered in 2 sessions, 4 hours each for a total of 8 hours.

    You may attend a Homebuyer Educational Financial workshop before you attend our next homebuyer seminar or before obtaining a pre-qualification or pre-approval letter.
    • Hale Mahaolu is now offering homebuyer classes January to June 2019.  $75 per household

    • See a full list of classes and locations:  Click here  Hale Mahaolu Classes   OR

    • Online Homebuyers Ed course: $75  (Requires a one-one counseling session before a certificate is issued.)

    • Online class registration link:  https://halemahaolu.frameworkhomeownership.org
       If you are having problems signing up for a class, please contact Marlynn. ​
       Marlynn Tanji - 242-7027, email mtanji@halemahaolu.org

    •  Keri Kaliikane - 661-5957, email kkaliikane@halemahaolu.org                      OR

    • Habitat for Humanity, $55 per household for the total 8 hr.  HUD approved class.
      Contact Sophie of Habitat for Humanity at 242-1140 for registration.

      Offered in 2 sessions, 4 hours each, the first 2 Saturdays of the month.

  4. Meet with NHOM staff to discuss the ground lease, resale formula and homebuyer selection policy - This is the final step after you have completed the first 3 steps. Please make sure your pre- qualification or pre-approval letter is still valid then contact our staff to schedule a time to meet.

    Income Guidelines effective May 1, 2018

    Maximum Income: To be considered for selection, a household must have a combined annual income which does not exceed one of the following: 80%, 120% or 140% of the HUD median income of households of equal size residing in Maui County or the median income for Hana, Lanai and Molokai, as adjusted by the Department of Housing and Human Services. The grant funding agency for the property determines the maximum income limit. The HUD income calculation method also includes income from assets.  Listed below are the maximum income guidelines per household size using gross annual income.

    Max AMI   1 Person   2 Person    3 Person      4 Person     5 Person      6 Person
      80%        $45,580    $52,100       $58,610       $65,120       $70,330       $75,540
    120%        $68,380    $78,140       $87,910       $97,680     $105,490     $113,310
    140%        $79,770    $91,170     $102,560     $123,080     $132,190     $141,310

    KAHOMA HOMES income limits will be based on previous 2016 guidelines.  See NHOM's Kahoma webpage.

Information may be changes from time to time.  Visit www.nahaleomaui.org for the most current updates.              1.28.19