Renter? Homeowner?
Let’s work together to keep you in your home.
If you are suffering economic hardship due to the COVID-19 pandemic, have a candid conversation with your Landlord or Mortgage Servicer. Whether you are a renter or a homeowner, below are specific steps that may help keep you in your home through this recession. For additional resources and referrals, please call us at 664-3830. Times are tough now; together, we will get through this.
RENTERS
Talk to your landlord and/or property manager: tell them how the pandemic has impacted your household income. (Starving to pay your rent is not an option.)
Hawaii Judiciary issued orders that limit the ability of landlords to evict tenants for non-payment of rent: no eviction orders will be issued until at least after April 30, 2020.
Landlords are prohibited by law from increasing rent during the period of the state of emergency declared by the Governor.
If you are renting from an owner who has a federally-backed mortgage or federally-supported multi-family property, the CARES Act provides for a moratorium on evictions from March 27, 2020, through July 25, 2020. Contact Legal Aid Society of Hawaii at 536-4302 for COVID-19 Legal Help & Resources. For a HUD approved housing counselor call (800) 569-4287.
Contact Hawaii Office of Consumer Protection’s Landlord-Tenant Information Center at 586-2634.
LANDLORDS - PROPERTY MANAGERS
This is not the time to evict tenants; you may not be able to fill a vacancy right now anyway.
Find a workable payment plan or allow for additional housemate/s that can help with rent.
Vacation rentals are flooding the long-term rental market causing rental prices to go down – and prolonging vacancies.
Some tenants may be able to pay their full rent; let them know that their timely payment will allow you to show compassion towards tenants who are struggling.
Rents for Section 8 tenants continue to be paid during economic recessions by the State of Hawaii or City and County of Honolulu; good time to initiate or expand this option.
The Hawaii Judiciary may extend its order prohibiting evictions beyond April 30, 2020 - stay informed.
Owners of multifamily buildings with federal loans in forbearance may not evict tenants for unpaid rent or charge fees until the loan exits forbearance.
Landlords may qualify for a U.S. SBA Economic Injury Disaster Loan.
HOMEOWNERS
The Coronavirus Aid, Relief, and Economic Security (CARES) Act provides relief for homeowners with government-guaranteed mortgages: FHA, USDA, VA, HUD Section 184a, Fannie Mae, or Freddie Mac. These are eligible for loan forbearance for up to one year without fees, penalties, or additional interest.
Contactyourmortgage servicer: let them know you are a facing financial hardship due to the pandemic - you may be eligible for this costfree postponement of payments.
HUD Hawaii COVID-19 Resources and Fact Sheets.
RENTERS
Talk to your landlord and/or property manager: tell them how the pandemic has impacted your household income. (Starving to pay your rent is not an option.)
Hawaii Judiciary issued orders that limit the ability of landlords to evict tenants for non-payment of rent: no eviction orders will be issued until at least after April 30, 2020.
Landlords are prohibited by law from increasing rent during the period of the state of emergency declared by the Governor.
If you are renting from an owner who has a federally-backed mortgage or federally-supported multi-family property, the CARES Act provides for a moratorium on evictions from March 27, 2020, through July 25, 2020. Contact Legal Aid Society of Hawaii at 536-4302 for COVID-19 Legal Help & Resources. For a HUD approved housing counselor call (800) 569-4287.
Contact Hawaii Office of Consumer Protection’s Landlord-Tenant Information Center at 586-2634.
LANDLORDS - PROPERTY MANAGERS
This is not the time to evict tenants; you may not be able to fill a vacancy right now anyway.
Find a workable payment plan or allow for additional housemate/s that can help with rent.
Vacation rentals are flooding the long-term rental market causing rental prices to go down – and prolonging vacancies.
Some tenants may be able to pay their full rent; let them know that their timely payment will allow you to show compassion towards tenants who are struggling.
Rents for Section 8 tenants continue to be paid during economic recessions by the State of Hawaii or City and County of Honolulu; good time to initiate or expand this option.
The Hawaii Judiciary may extend its order prohibiting evictions beyond April 30, 2020 - stay informed.
Owners of multifamily buildings with federal loans in forbearance may not evict tenants for unpaid rent or charge fees until the loan exits forbearance.
Landlords may qualify for a U.S. SBA Economic Injury Disaster Loan.
HOMEOWNERS
The Coronavirus Aid, Relief, and Economic Security (CARES) Act provides relief for homeowners with government-guaranteed mortgages: FHA, USDA, VA, HUD Section 184a, Fannie Mae, or Freddie Mac. These are eligible for loan forbearance for up to one year without fees, penalties, or additional interest.
Contactyourmortgage servicer: let them know you are a facing financial hardship due to the pandemic - you may be eligible for this costfree postponement of payments.
HUD Hawaii COVID-19 Resources and Fact Sheets.