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Loan Guarantees for Native Hawaiian Housing (Section 184A)

What is the Section 184A Native Hawaiian Housing Loan Guarantee Program?

The Hawaiian Homelands Homeownership Act of 2000 adds a new Section 184A to the Housing and Community Development Act of 1992 which authorized the Native Hawaiian Housing Loan Guarantee Program. The regulations for Section 184A was published as an Interim Rule on June 13, 2002, and are found at 24 CFR part 1007. The program is designed to offer home ownership, property rehabilitation, and new construction opportunities for eligible Native Hawaiian individuals and families wanting to own a home on Hawaiian home lands.

(NEW) Limited amount of Section 184A refiance dollars now available.  HUD is authorized to guarantee a limited amount of Section 184A Refinance loan transactions.

  • Section 184A-approved Lenders: Click here to see the 184A Refinance Guidelines.
  • Homeowners on Hawaiian home lands: Click here to find a Section 184A-Approved lender.

The purpose of the Section 184A loan is to provide access to sources of private financing on Hawaiian home lands. Section 184A permits HUD to guarantee 100% of the unpaid principal and interest due on an eligible loan. The use of the Section 184A Loan Guarantee Program is limited to owner-occupant single family dwellings located on Hawaiian home lands.

For more information on the Section 184A Native Hawaiian Housing Loan Guarantee Program, please contact Claudine Allen, Native Hawaiian Program Specialist, in the HUD Honolulu Field Office:

U.S. Department of Housing and Urban Development
1132 Bishop Street, Suite 1400
Honolulu, HI 96813
Phone: (808) 457-4674
Fax: (808) 457-4694