Saturday, July 11, 2020
Hawai'i Free Press

Current Articles | Archives

Wednesday, January 01, 2020
DHHL Defends Mortgage Lending Practices
By News Release @ 9:59 AM :: 1150 Views :: DHHL



DHHL Responds to SCHHA Claims on Lease Cancellations

News Release from DHHL, December 30, 2019

(KAPOLEI, HI) – The Sovereign Council of Hawaiian Homestead Associations (SCHHA), formerly known as the Sovereign Councils of the Hawaiian Homelands Assembly, has recently asserted several false claims about the Department of Hawaiian Home Lands’ (DHHL) lease cancellation process. The Department wishes to clarify several of the assumptions.

“Lessees should not be afraid to open their mail, contact their lender, or call the Department,” said Tyler Gomes, Deputy to the Chair of the Hawaiian Homes Commission (HHC). “We understand that there are sometimes unavoidable life events that occur, and we have trained staff as well as contracted financial counselors to help.”

Loan Servicing Guidelines

DHHL has written loan servicing guidelines that have been provided to SCHHA on more than one occasion, despite SCHHA claims that DHHL does not have guidelines in place.

The Department’s staff work one-on-one with lessees who are experiencing challenges in paying their mortgages. These challenges may include, but are not limited to, job loss, a medical emergency, or a family crisis. In addition, loan officers with DHHL provide payment options and financial counseling paid for by the Department.  To ensure the availability of adequate assistance, lessees are contacted by postal mail, phone, e-mail, and through in-person visits, if necessary.

“After listening to concerns raised by SCHHA, regarding the sufficiency of the Department’s loan practices, DHHL conducted a thorough internal review with loan staff,” said Gomes. “Based on the loans that saw successful restructuring and mitigation over the last five years, it became clear that, in practice, DHHL’s Loan Program offers borrowers more flexibility and creativity in its mitigation efforts than the current version of the Loan Manual and far more than the fee simple market. As a result, DHHL will be reviewing and updating its Loan Manual to more accurately reflect the hard work and ingenuity that the highly-qualified loan division has been offering beneficiaries.”

Department Involvement in Private Lending

SCHHA has requested the Department intercede on behalf of lessees who have borrowed from private lenders under the Department of Housing and Urban Development (HUD) 184a or FHA 247 insured loans. However, the lenders are compelled to follow HUD guidelines and DHHL must allow for the lenders to practice full jurisdiction over their loans. The HUD guidelines may be found starting on Page 609 of the FHA Single Family Housing Policy Handbook.


The assertion by SCHHA that DHHL has evicted hundreds of families is false.

The Hawaiian Homes Commission has asked 33 lessees to leave their homesteads over the last five years which is .007 percent of the total number of mortgages on the home lands. A 2013 audit report also criticized the Commission for failure to “collect delinquencies or cancel accompanying leases,” stating that it runs counter to the trustee duty of impartiality by elevating an individual delinquent lessee’s interest above other beneficiaries.

DHHL Lease Cancellation Process

If DHHL staff does not find success with curing a lessee’s inability to pay a mortgage, for a myriad of reasons, the case is then referred to HHC, who has an extensive lease cancellation process. The process includes multiple and ongoing hearings with the Commission on the lessee’s island to prevent travel costs, loan modification options, and additional financial counseling. A lease may only be cancelled by a quorum of five commissioners and a majority vote. Once a lease is cancelled, a lessee can then take the Department to court for reconsideration.

“At the end of the day, the Department and the Commission are striving to fulfill Prince Kūhiō’s vision of putting native Hawaiians on the land,” said William J. Aila, Jr., HHC Chair. “Keeping beneficiaries on the land is equally as important. We go to great lengths to afford lessees more flexibility and opportunities than borrowers in the fee simple market.”

For more information, click here.



The Department of Hawaiian Home Lands carries out Prince Jonah Kūhiō Kalanianaʻole’s vision of rehabilitating native Hawaiians by returning them to the land. Established by U.S. Congress in 1921, with the passage of the Hawaiian Homes Commission Act, the Hawaiian homesteading program run by DHHL includes management of over 200,000 acres of land statewide with the specific purpose of developing and delivering homesteading.


TEXT "follow HawaiiFreePress" to 40404

Register to Vote


808 Silent Majority

808 State Update AM940


ACA Signups Hawaii



Alliance Defending Freedom

Aloha Life Advocates

Aloha Pregnancy Care Center

American Council of Trustees and Alumni

American Mothers of Hawaii



Antonio Gramsci Reading List

A Place for Women in Waipio

Astronomy Hawaii

Audit The Rail

Ballotpedia Hawaii

Better Hawaii 

Blaisdell Memorial Project

Broken Trust 

Build More Hawaiian Homes Working Group

CAFR Hawaii

Castaway Conservative

Children's Alliance Hawaii

Children's Rights Institute

Christian Homeschoolers of Hawaii

Citizens for Recall

Cliff Slater's Second Opinion

Coffee Break

CSIS Pacific Forum

DAR Hawaii

DVids Hawaii

E Hana Kakou Kelii Akina

E Māua Ola i Moku o Keawe

Farmers For Choice Hawaii


Fix Oahu!

Follow the Money Hawaii

Frank in Hawaii

Front Page Magazine

Frontline: The Fixers

Genetic Literacy Project

Get Off Your Butts!

God, Freedom, America

Grassroot Institute

Hawaii Aganst Assisted Suicide

Hawaii Aquarium Fish Report

Hawaii Aviation Preservation Society

Hawaii Catholic TV

Hawaii Christian Coalition

Hawaii Cigar Association

Hawaii Coalition Against Legalized Gambling

Hawaii ConCon Info

Hawaii Credit Union Watch

Hawaii Crime Victims' Rights

Hawaii Crop Improvement Association

Hawaii Debt Clock

Hawaii Defending Marriage

Hawaii Defense Foundation

Hawaii Family Advocates

Hawaii Family Forum

Hawaii Farmers and Ranchers United

Hawaii Farmer's Daughter

Hawaii Federalist Society

Hawaii Federation of Republican Women

Hawaii Firearm Community

Hawaii Fishermen's Alliance

Hawaii Future Project

Hawaii Gathering of Eagles

Hawaii History Blog

Hawaii Homeschool Association

Hawaii Jihadi Trial

Hawaii March for Life

Hawaii Meth Project

Hawaii's Partnership for Appropriate & Compassionate Care

Hawaii Public Charter School Network

Hawaii Rifle Association

Hawaii Right to Life -- Big Island

Hawaii Right to Life -- Oahu

Hawaii Shield Law Coalition

Hawaii Shippers Council

Hawaii Smokers Alliance

Hawaii State Data Lab

Hawaii Together

Heritage Foundation

HI Coalition Against Legalized Gambling



Hiram Fong Papers

Homeschool Legal Defense Hawaii

Honolulu Homeless Crisis

Honolulu Navy League

Honolulu Traffic

Horns of Jericho Blog

House Minority Blog

House Republican Caucus YouTube


Hump Day Report

I Vote Hawaii

If Hawaii News

Imua TMT

Inouye-Kwock, NYT 1992

Inside the Nature Conservancy

Inverse Condemnation

Investigative Project on Terrorism

Iowa Meets Maui

Jackson v Abercrombie

Jihad Watch

July 4 in Hawaii

Kahle v New Hope

Kakaako Cares

Kau TEA Party

Kauai Co GOP

Keep Hawaii's Heroes


Land and Power in Hawaii

Legislative Committee Analysis Tool

Lessons in Firearm Education

Lingle Years

Malulani Foundation

Managed Care Matters -- Hawaii

Malama Pregnancy Center of Maui

Mauna Kea Recreational Users Group

Middle East Forum--The Legal Project

Mililani Conservatives for Change

Military Home Educators' Network Oahu

Missile Defense Advocacy

MIS Veterans Hawaii

Muslim Brotherhood in America

NAMI Hawaii


National Christian Foundation Hawaii

National Parents Org Hawaii

National Wind Watch

New Hawaiian

New Zeal

NFIB Hawaii News

No GMO Means No Aloha

Northwest Economic Policy Seminar

Not Dead Yet, Hawaii

Now What I Really Think

NRA-ILA Hawaii

Oahu Alternative Transport

ObamaCare Abortion Hawaii


OHA Lies

Opt Out Today

Pacific Aviation Museum

Patients Rights Council Hawaii

PEACE Hawaii

People vs Machine

Pritchett Cartoons 

Pro-GMO Hawaii


Rental by Owner Awareness Assn

Republican Party -- Hawaii State

Research Institute for Hawaii USA

Rick Hamada Show

RJ Rummel

Robotics Organizing Committee

Save Dillingham Airfield

School Choice in Hawaii

SIFE Remington

SIFE W. Oahu 

Sink the Jones Act

Smart About Marijuana--Hawaii

St Marianne Cope

State Budget Solutions Hawaii

State Policy Network

Statehood for Guam

Tax Foundation of Hawaii

The Harriet Tubman Agenda

The Long War Journal

The Real Hanabusa

Time Out Honolulu

Trustee Akina KWO Columns

Truth About Trade & Technology - Hawaii

UCC Truths

Union Members Know Your Rights

US Tax Foundation Hawaii Info

Valor in the Pacific

VAREP Honolulu

West Maui Taxpayers Association

What Natalie Thinks

Whole Life Hawaii