Hawaii County homeowners on the Island of Hawaii — in places like Hilo, Kailua-Kona, Waimea, Honokaa, and surrounding communities — facing a missed payment, a Notice of Default, or a foreclosure proceeding should act without delay. Hawaii operates a largely non-judicial foreclosure process under HRS Chapter 667, with a generous 35-day cure window and a mandatory Mortgage Foreclosure Dispute Resolution Program for owner-occupied homes. Dream Financial Management provides Hawaii County foreclosure assistance since 1994.
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Act Early
In Hawaii County, homeowner options can narrow quickly once a foreclosure action begins. Under Hawaii's HRS Chapter 667 process, a Notice of Default triggers a 35-day cure window, after which owner-occupied cases typically move into the mandatory Mortgage Foreclosure Dispute Resolution Program for mediation. Acting early gives you more time to use that mediation to explore loan modification, reinstatement, forbearance, or another loss-mitigation option before any sale is scheduled.
We'll help you review your mortgage, missed payments, and current loss-mitigation options with a free, confidential analysis.
The earlier you reach out, the more room we have to help you prepare for mediation and explore realistic options before a foreclosure sale is scheduled.
How It Works
Hawaii County foreclosures are governed by Hawaii law. Under HRS Chapter 667, Hawaii is a largely non-judicial (power-of-sale) foreclosure state with a judicial option. The process typically takes about 160-220 days and includes a mandatory mediation program for owner-occupied properties. Because Hawaii law and your own loan documents control your deadlines, reviewing your actual Notice of Default and any mediation notices is essential.
The lender sends a Notice of Default with a 35-day window to cure. This is your opportunity to bring the loan current or request loss mitigation.
Owner-occupied cases typically enter the Mortgage Foreclosure Dispute Resolution Program, where a neutral mediator helps negotiate alternatives.
If no resolution is reached, a Notice of Sale is published for 3 consecutive weeks and the auction is held at least 14 days after the third publication.
Every Hawaii County foreclosure case is different. Hawaii law allows both non-judicial and judicial foreclosure, and your own loan documents, Notice of Default, and mediation notices set the deadlines that matter to your case. Hawaii has no post-sale right of redemption, so acting before the auction is critical. We recommend following the deadlines in your own paperwork, consulting a licensed Hawaii attorney for legal advice, and acting early. Dream Financial Management provides mortgage assistance and document-preparation support — we are not a law firm and do not provide legal representation or legal advice.
Areas We Help
We support homeowners throughout Hawaii County on the Island of Hawaii (the Big Island). Below are some of the communities we help, including the county seat and other population centers across the county.
Work with your servicer — often through HI mediation — to adjust loan terms to a more affordable payment.
Catch up missed payments during the 35-day cure window where feasible and permitted.
Explore temporary payment relief with a plan to repay later.
If keeping the home isn't possible, explore escaping more gracefully where available.
Gathering these documents helps us review your Hawaii County situation faster.
Answers to common questions from Hawaii homeowners.
Get a free, confidential review of your Hawaii County situation. We're here to help you understand your options.
Dream Financial Management is a mortgage assistance, document-preparation, and loss-mitigation support resource. We are not a law firm, we do not provide legal representation or legal advice, and we do not guarantee any specific foreclosure outcome, loan modification approval, short-sale result, or legal remedy. Information provided on this page is general educational content for Hawaii homeowners and is not a substitute for reviewing your actual loan documents, your mortgage servicer's loss-mitigation options, or written notices issued in connection with your own case.
Hawaii foreclosure-related timelines, mediation requirements, fees, and procedures vary and may change. Always follow the specific deadlines contained in your own Notice of Default, mediation notices, and mortgage correspondence. When court or legal action is involved, consult a licensed Hawaii attorney for legal advice specific to your situation.