Maui County homeowners on the Island of Maui — in Wailuku, Kahului, Kihei, Lahaina, Makawao, Paia, Hana, 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 Maui County foreclosure assistance since 1994.
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In a non-judicial foreclosure under HRS Chapter 667, the lender can move toward a public sale once the 35-day cure period expires and the required notices are served. Reaching out early gives you the most options.
Hawaii gives borrowers a cure period to bring the loan current or work out a resolution before the process advances. Acting sooner can preserve more options.
We help prepare the documentation needed to request revised mortgage terms, forbearance, or a payment arrangement with your servicer, giving you time to stabilize.
A free, confidential review helps organize your situation and identify the options available to you in Hawaii before deadlines pass.
A free telephone consultation with Dream Financial Management is available for Hawaii homeowners.
Hawaii is mostly a non-judicial foreclosure state. The process is governed primarily by HRS Chapter 667, and if a power of sale is present in the mortgage, the lender may proceed outside the courts.
The process generally begins after a payment default. Hawaii provides a cure period of at least 35 days so the borrower can bring the loan current or pursue a resolution before the process moves toward sale.
For owner-occupied residential properties, Hawaii requires the mortgagee to initiate the Mortgage Foreclosure Dispute Resolution Program (MFDRP) before proceeding to a public auction, providing a structured negotiation opportunity.
If unresolved, the property may be sold at public auction. Hawaii provides limited protections: there is generally no post-sale redemption period, and under certain circumstances a deficiency judgment is capped at the difference between the debt and the property's fair market value.
Important note about legal rights & deadlines
Hawaii foreclosure procedure involves specific timelines, statutes, and protections that can vary by lender and by the terms of your mortgage. This information is for general educational purposes and is not legal advice. Dream Financial Management prepares and supports documents — we are not a law firm and do not provide legal representation. For advice specific to your situation, consult a licensed Hawaii attorney.
Maui County includes the Island of Maui and the neighboring islands of Lanai, Kahoolawe, and the non-Kalawao portions of Molokai. We help homeowners across the county, with most communities located on the Island of Maui.
Document preparation support to request revised terms, lower payments, or a forbearance arrangement directly with your mortgage servicer.
Help organizing documentation and payment planning to bring the loan current within Hawaii's cure period and avoid a public sale.
Guidance on short sale, deed-in-lieu, and other foreclosure-alternative strategies tailored to your goals and Hawaii's process.
Having these documents ready helps us organize a clear picture of your situation and prepare your options more efficiently.
Our team can help you understand Hawaii's foreclosure process and prepare the documents to pursue the options available to you. Reaching out early makes a difference.
Dream Financial Management is a document-preparation and foreclosure prevention support company. We are NOT a law firm and DO NOT provide legal representation, legal advice, or legal opinions. We cannot guarantee any specific outcome regarding your mortgage or foreclosure, and we do not make promises about loan modification approval, reinstatement, the outcome of a foreclosure, or any legal proceeding.
Foreclosure laws, deadlines, and procedures vary by state and by the specific terms of your mortgage. Information on this page is provided for general educational purposes only and does not constitute legal advice. If you need legal advice or representation, or if you have questions about your legal rights and deadlines under Hawaii law, consult a licensed Hawaii attorney. No information you provide is a substitute for the advice of a licensed attorney.