Aloha Lenders,

Since the most recent training, HHFDC has updated the First-Time Homebuyer definition as follows to comply with current Hawaii Revised Statutes and Administrative Rules:

• With DPA: A first-time homebuyer means the borrower must not have had any ownership interest in any residence at any time during the three (3) year period prior to the date on which the Mortgage Loan is applied for.
• Without DPA: A first-time homebuyer means the borrower must not have owned a principal residence at any time during the three (3) year period prior to the date on which the Mortgage Loan is applied for.

The 1003 loan application will serve as the date of application for determining first-time homebuyer status.

The Hale Kamaʻāina Program is expected to launch the week of November 18, 2025. 

On-Demand Program Training now available!

If you missed the live session or want a refresher, you can access the Hale Kamaʻāina Single Family Mortgage Program course anytime at eHPUniversity.com, and selecting “HHFDC Hale Kamaʻāina Single Family Mortgage Program.”

This self-paced course provides all key details for originating and managing Program loans.

Mahalo for your continued partnership and support of the Hale Kamaʻāina Single Family Mortgage Program. Please ensure your teams are familiar with the program requirements when counseling borrowers and structuring loans. If there are any questions, please contact HHFDC at dbedt.hhfdc.mortgage@hawaii.gov or (808) 587-0578.

Best Regards,

eHousingPlus

Program Administrator on behalf of HHFDC