Free Help for Oʻahu Homeowners

Free or low-cost counseling from federally approved agencies. They can help you explore loan modifications, repayment plans, and foreclosure alternatives. This is the first call to make if you're behind on your mortgage.

Find a counselor: hud.gov/find/counseling · (800) 569-4287

Free civil legal services for qualifying low-income residents. Can assist with foreclosure defense, tenant rights, and other housing-related legal matters on Oʻahu.

legalaidhawaii.org · (808) 536-4302

HUD-approved housing counseling agency offering free foreclosure prevention counseling, financial coaching, and homebuyer education on Oʻahu.

neighborworkhawaii.org · (808) 595-6080

Connects you with a licensed Hawaiʻi attorney for a reduced-fee initial consultation. A good first step if you need legal advice but aren't sure where to start.

hsba.org · (808) 537-1868

Provides free civil legal services to low-income individuals on Oʻahu through volunteer attorneys. Handles a range of housing and civil matters.

vlsh.org · (808) 528-7046

Official source for property tax information, exemptions, appeals, and payment options for Oʻahu properties. If you have a property tax lien or unpaid taxes, start here.

honolulu.gov/rpt · (808) 768-3799

State agency that enforces consumer protection laws, including rules against foreclosure rescue fraud. If you believe you've been targeted by a scam, report it here.

cca.hawaii.gov/ocp · (808) 587-3222

Find a nonprofit credit counseling agency near you. NFCC members offer budget counseling, debt management plans, and housing counseling — often for free or low cost.

nfcc.org · (800) 388-2227

Dial 2-1-1 to be connected with local social services including housing assistance, utility help, and emergency resources across Oʻahu.

Call or text: 211 · alohaunitedway.org/211