The Nā Hale O Maui 4-Step Program

Aloha,

Nā Hale O Maui (NHOM) is a nonprofit Community Land Trust dedicated to providing affordable homeownership opportunities for working families on Maui. Homes are sold through a long-term, renewable, inheritable 99-year ground lease, with full, exclusive use of the land and a requirement that the home be owner-occupied as a primary residence.

NHOM homes are made possible through public funding, private donors, and community partners, including HUD’s Neighborhood Stabilization Program and the County of Maui Affordable Housing Fund, working together to support long-term affordability for local households.

Completion of our 4-Step Program is required to become an income-qualified NHOM homebuyer applicant. Completing all four steps allows you to be added to the qualified buyer list and considered when homes become available. Completion does not guarantee a home, but it is required to participate in the homebuyer selection process.

Basic Eligibility Requirements

✔ U.S. Citizen or legal resident
✔ Maui County resident
✔ Owner-occupancy required
✔ Income must fall between 80%–140% AMI (See table below)
✔ Monthly income must support the cost of housing
✔ Must complete the 4-Step Qualification Program
✔ Creditworthy (pre-approved by institutional mortgage lender)

Nā Hale O Maui 4 Step Program

Step 1. Attend Nā Hale O Maui Homebuyer Seminar

Next Free Homebuyer Orientations – Online

Thursday, May 21st – 12:00pm – 1:15pm

Thursday, June 4th – 5:15pm – 6:30pm

Click Here to Register for an Upcoming Homebuyer Orientation!

If you have questions or need assistance please call or email – Phone: 244-6110 or Email: [email protected]

Step 2. Get a pre-approval letter from a lender

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

Lenders:

• American Savings Bank – Lisa Carillo – email – [email protected] – phone (808) 872-4991, cell (808) 463-2296

• LoanDepot – Kimberly Kawachi (Branch Manager): (808)-250-9046 | email: [email protected]

• Security National Mortgage Company – Ime Fernandez – email – [email protected] – phone – (808)633-6524 

Step 3. Complete a Homebuyer Education class

You may attend a Homebuyer Educational class before you attend our next homebuyer seminar or before obtaining a pre-approval letter. Certificates will be good for 5 years.

HUD approved classes are being offered by three local organizations.​

Step 4. Meet with NHOM staff to discuss the ground lease, resale formula and homebuyer selection policy

This is the final step and can only be completed after you have completed the first 3 steps.

Please make sure your pre-approval letter is valid and contact our staff to schedule a time to meet.

Maximum Income: To be considered for selection, a household must have a combined annual income which does not exceed one of the following: 120% or 140% of the HUD Area Median Income (AMI) of households in Maui County or, if applicable, the AMI 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 include income from assets.

Listed below are the maximum income guidelines per household using gross annual income.

Our 4-Step Program

Information may be changed from time to time.  Contact us for the most current updates.
Last updated 4/30/26