Free articles to help you understand your situation clearly — before making any decisions. Knowledge is your best protection.
Your lender may offer both — but they solve very different problems. A loan modification permanently changes your loan terms. A repayment plan temporarily helps you catch up on missed payments. Here's how to know which one fits your situation.
Read the full article →July 4th is a celebration of freedom — and the most powerful freedom a homeowner can have is knowing their options before fear makes the decision for them. A personal note from Gift for this Independence Day.
Read the full article →If you've missed a payment — or can see that the next one isn't going to happen — you almost certainly have more time and more options than you think. Here's what Oʻahu homeowners need to know before the fear takes over.
Read the full article →If you inherited a home or had a title transferred after a death or divorce, you may be a successor in interest — and federal law gives you real, protected rights with the mortgage servicer. Most families don't know this. Here's what it means and how it could open the door to a loan modification.
Read the full article →Restaurants, retailers, and small businesses across Oʻahu are closing their doors as Hawaiʻi edges toward a recession. When jobs disappear, mortgage payments become harder to keep up with — and that ripple effect reaches homeowners faster than most people expect. Here's what you should know if the economic pressure is hitting close to home.
Read the full article →Losing a family member is hard enough. Then comes the mail — notices, mortgage statements, tax bills — and a house that now belongs to you or your ʻohana, but no one is quite sure how or what to do next. Here's what probate means, what your options are, and the decisions you'll eventually need to make.
Read the full article →Your homeowners association can foreclose on your home even if your mortgage payments are completely current. All it takes is unpaid HOA dues — and the process can move faster than a traditional mortgage foreclosure. Here's what you need to know.
Read the full article →Most homeowners think a short sale and foreclosure mean the same thing — or that one automatically leads to the other. They don't. Understanding the difference could change what options are still available to you.
Read the full article →From a first missed payment to an actual sale, foreclosure in Hawaiʻi typically takes six months to over two years. What you do with that time — and when you reach out — makes all the difference.
Read the full article →If you're behind on your mortgage, a loan modification could permanently change your monthly payment to something manageable — without starting over with a new loan. Here's what it means and how to start the conversation with your lender.
Read the full article →A tax lien on your Oʻahu home doesn't mean you'll immediately lose it — but ignoring it can make your options disappear fast. Here's what liens mean, why they happen, and what you can actually do about them.
Read the full article →Hawaiʻi allows two foreclosure types and the difference determines how much time you have. Most homeowners don't find out which process applies to them until it's almost too late to act.
Read the full article →A foreclosure notice doesn't mean it's too late — it means the clock has started. Here's how to understand what you received, what your timeline looks like, and what options are still on the table.
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