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.

NHOM received funding from HUD’s Neighborhood Stabilization Program and the County of Maui Affordable Housing Fund. The funds allowed NHOM to acquire, rehabilitate, build and sell  homes to qualified homebuyers who have completed the 4 Step program. We recently completed building 12 new affordable homes in the Kahoma Residential Subdivision and sold them to income qualified island buyers.

Nā Hale O Maui has 47 Single Family homes in Wailuku, Kahului, Kihei, Makawao and Lahaina that were sold to income qualified households!

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. As units become available 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:

Step 1. Attend Nā Hale O Maui Homebuyer Seminar

By attending our seminar you have completed the first step.

Next Free Homebuyer Seminar is to be announced

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

Step 2. Get a pre-qualification or pre-approval letter from your lender

Work with any lender of your choice for this step, keep on mind they may not be an approved lender. The following lending institutions reviewed our ground lease and are willing to provide competitive loans secured by mortgages on leasehold real estate.


Step 3. Attend a homebuyer education financial workshop

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.

Workshops are being offered by three different organizations. Classes may have been rescheduled due to the COVID19 situation.​

Hale Mahaolu Classes: $75 per household

For full details of Virtual interactive Classes (series of 3 sessions) or the Online Framework Course log on to


Email Marlynn Tanji at mtanji@halemahaolu.org or call her at 242-7027

Habitat for Humanity, Homeowership course: $55 per household, (series of 2 sessions)

Register by emailing Habitat’s Housing Counselor, info@habitat-maui.org or call  at 226-7767 for information


Hawaiian Community Assets: Classes are Free, offered monthly via zoom.

Interested clients may contact them directly to schedule at 727-8870 or email mauifoc@hawaiiancommunity.net

www.hawaiiancommunity.net > client Intake form

Step 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, 2022

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 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 may also includes income from assets. Listed below are the maximum income guidelines per household using gross annual income.

Area Median Income % 80% 100% 120% 140%
Maximum Income
(household of 4)
$80,880  $101,100 $121,320 $141,540
  • Participants must be a US citizen or registered alien
  • Owner occupancy required

Information may be changed from time to time.  Contact us for the most current updates.
Last updated 3.30.2023