What should I bring on the first call?

If you have them: any foreclosure notice, loan servicer or lender name, court case info, auction date, HOA or tax letters, and your best contact details. If you don't have documents, that's okay — we'll start with what you know.

For homeowners facing foreclosure or a distressed home situation

Free Foreclosure Help for Oʻahu Homeowners — Know Your Options Before Making Any Decision.

Q: If there's an urgent deadline, what should I do?

Text or call (808) 215-5828 as soon as possible so we can confirm dates and identify the fastest next steps. If you're in immediate danger of losing housing, contact a HUD-approved counselor or Legal Aid right away.

No pressure. No judgment. Just options.

If you're overwhelmed, we'll slow it down and take it one clear step at a time.

Aloha — I'm Gift, a homeowner advocate on Oʻahu. I help you understand your situation, confirm deadlines, and learn every option available to you. This information and support is 100% FREE for homeowners.

Foreclosure • Probate / inherited homes • Tax liens • HOA liens • Vacant & distressed homes
Confidential • No pressure to sell

Call/Text: (808) 215-5828 Get free help Email Gift

100% FREE Confidential No pressure to sell 500+ homeowners helped

Important: I am a homeowner advocate, not an attorney, real estate licensee, financial advisor, or HUD-approved counselor. Nothing here is legal, financial, tax, or real estate advice. I don't negotiate with lenders on your behalf. When those services are needed, I connect you with licensed professionals. If a homeowner has exhausted all options — or simply decides selling is the right path — I may, in some cases, be interested in purchasing the home. This is always disclosed upfront. You are never pressured or obligated to sell to anyone.

Gift Kitkuakul, Ph.D., free homeowner advocate on Oʻahu, Hawaii

Sakawrat "Gift" Kitkuakul, Ph.D.

What happens first

Understanding your situation — step by step

Confirm real deadlines — foreclosure sale dates, court dates, and notices often have more flexibility than homeowners realize
Learn all available options — keeping the home, pausing the process, negotiating, selling, or transitioning
Get a clear path forward — connected to the right resources, with someone beside you every step of the way

You're not alone — calm support, clear steps, no shame.

"I was ignoring the mail because I was so scared. Gift sat down with me, opened the envelopes, and explained what they meant in plain English. We found a way to pause the auction and I had time to breathe again."
— Local Homeowner, Waipahu, HI

Situations where homeowners often have more options than they realize

Many homeowners don't act because they don't know what's available to them. If any of these apply, there is likely more time — and more options — than you think.

Behind on mortgage Received a foreclosure notice Probate / inherited home Tax lien HOA lien Vacant / distressed property Hardship (job loss, illness, divorce) Overwhelmed by paperwork

The first step is simply understanding what you're actually facing — real deadlines, real options, and what each one means for you.

Know your options

What homeowners in distress should know

Keeping your home: what's possible

Many homeowners don't know that options like loan modification, repayment plans, or hardship programs may still be available — even after receiving a foreclosure notice. Understanding these options is the first step. I help you organize documents and understand the general landscape. For negotiation with lenders or legal proceedings, I connect you with trusted, licensed professionals like attorneys and HUD-approved counselors.

Learning what's available costs nothing — and could change everything.

Selling your home: when and how it works

If selling turns out to be the best path, it helps to understand the timeline, what a fair process looks like, and what questions to ask. I can help you understand your options and connect you with ethical, licensed professionals — including reputable buyers if that's the direction you choose. I can also help with clean-out, preparation, and finding your next place.

No pressure. Ever. You decide. I don't receive referral fees or commissions from anyone I connect you with.

Probate, liens & other situations

Inherited homes, tax liens, and HOA liens each come with their own rules, timelines, and options that most homeowners aren't aware of. Understanding the basics can prevent costly mistakes.

Every situation is different — the goal is to understand yours clearly before making any decisions.

Call/Text to learn more Ask a question — free

What this support looks like

Independent guidance. No agenda.

With a Ph.D. in Business Administration and over a decade of financial experience, I help you understand your situation in plain language — so you can make your own informed decision.

Free: no charge, ever
Clear: plain-language information, no jargon
Connected: trusted, verified professionals when you need them
Respectful: your home, your choice — always

Community impact

Why I do this

I've seen firsthand what happens when a homeowner doesn't know their options — and I decided to do something about it. For the past two years, I've dedicated my time to making sure no neighbor on Oʻahu faces that alone.

500+ Oʻahu homeowners helped — all free of charge, all with the same goal: make sure you know every option before any decision is made.

Let's talk stories and figure out what's right for you.

What the process looks like

How it typically works

Stabilize

Understand the real deadlines and immediate risks — so you know what you're actually facing

Choose

Learn all available options and what each one means — then decide what's right for you

Act

Move forward with a clear plan, the right connections, and someone in your corner

FAQ

Questions homeowners ask most

Is your help really free?

Yes. My homeowner support and resource connections are 100% free for homeowners. There's no obligation and no pressure to sell.

Do I have to sell my home?

No. Understanding your options comes first — keeping the home, pausing foreclosure, negotiating, or selling only if you choose. No one should make that decision without knowing all the alternatives.

What should I bring (or tell you) on the first call?

If you have them: any foreclosure notice, loan servicer/lender name, court case info, auction date, HOA/tax letters, and your best contact details. If you don't have documents, that's okay — we'll start with what you know.

Are you a lawyer or HUD counselor?

No. I'm a homeowner advocate. I share general information to help you understand your situation and options. I don't provide legal or tax advice. When those services are needed, I connect you with trusted, verified professionals.

If there's an urgent deadline, what should I do?

Text or call as soon as possible so we can confirm dates and identify the fastest next steps. If you're in immediate danger of losing housing, contact a HUD-approved counselor or Legal Aid right away.

Contact

Text or call me — fastest response

Gift (Sakawrat Kitkuakul, Ph.D.)

Phone/Text: (808) 215-5828

Email: gift.saveyourhomes@gmail.com

Service area: Oʻahu, Hawaiʻi

If I miss your call, I will return it.

In immediate danger of losing housing? Contact a HUD-approved counselor or Legal Aid right away.

Call/Text: (808) 215-5828 Email with a template

Or send a message right here

By submitting this form you agree to be contacted at the number or email you provide. Your information is used only to respond to your request and is never sold or shared for marketing. See the Disclaimer & Privacy section below.

Disclaimer & Privacy

Important information

Not professional advice

Sakawrat "Gift" Kitkuakul is a homeowner advocate and is not a licensed attorney, real estate broker or salesperson, mortgage professional, financial advisor, tax advisor, or HUD-approved housing counselor. Information provided through this website or in person is general and educational only and is not legal, financial, tax, or real estate advice. No advocate-client, attorney-client, or fiduciary relationship is created by using this site or contacting me.

No negotiation or representation

I do not negotiate with lenders, servicers, or creditors on your behalf, and I do not represent you in any legal or financial matter. For those services, I connect you with appropriately licensed professionals so you can decide who to work with.

No fees and no referral compensation

My support is free to homeowners. I do not charge fees, request advance payments, or take any portion of your money or property. I do not receive referral fees, commissions, or other compensation from any professional, buyer, or company I may connect you with. In some cases, I may be interested in purchasing a home if the homeowner chooses to sell — this is always disclosed upfront and you are never obligated to sell to anyone.

Urgent situations

If you are facing an imminent foreclosure sale or court deadline, contact a licensed Hawaiʻi attorney, Legal Aid Society of Hawaiʻi, or a HUD-approved housing counselor immediately. Do not rely on this website in place of timely professional advice.

Privacy

When you contact me or submit the form on this site, I collect only the information you choose to provide (such as your name, phone, email, and message). This is delivered through a third-party form service (Formspree) and used solely to respond to your request. I do not sell your information or share it for marketing. I may share details with a professional only with your permission, to help you. You can ask me to delete your information at any time.

Limitation of liability

This website and the general support offered are provided "as is," without warranties of any kind. To the fullest extent permitted by law, I am not liable for any decision you make or any outcome related to your property, finances, or legal situation. Decisions about your home are yours alone, ideally made with licensed professionals.