The Department of Hawaiian Home Lands developed the Home Ownership Assistance Program (HOAP) to increase home ownership opportunities for eligible beneficiaries of the Hawaiian Homes Commission Act.  The ultimate goal of HOAP is to empower beneficiaries to qualify and purchase or construct homes on Hawaiian home lands.

This innovative program serves as an intermediary that connects Native Hawaiians to the information and resources needed in this important life step for those interested in owning a home located on Hawaiian home lands.  HOAP engages Providers located in the state of Hawaii to offer a multifaceted system of home buyer counseling services and ownership readiness training to Native Hawaiian families and individuals that need to improve their financial conditions in order to meet the responsibilities of home ownership.

DHHL’s Home Ownership Assistance Program consists of the following components:

• Access to the HOAP Information Call Center
  
• Delivery of HHCA Orientation Workshops
  
• Delivery of Home Buyer Education & Financial Literacy Courses
  
• Access to Providers that deliver one-on-one assistance in credit repair, mortgage lending applications, financial management, and other home ownership relevant assistance
  
• Access to Providers that specialize in credit repair, debt reduction and/or debt restructuring

HOAP is a program of the Department of Hawaiian Home Lands, administered by the Council for Native Hawaiian Advancement (CNHA) and delivered by multiple Provider firms dedicated to affordable housing initiatives in the state of Hawaii.

TODAY: In 2004, CNHA designed and developed the Home Ownership Assistance Program for DHHL to increase the research and impact of financial literacy and homebuyer education services in the Hawaiian community by local nonprofit providers. CNHA's design includes an intermediary delivery system using multiple providers, a Call Center to interact with clients and compile data, and a payment system that rewards providers based on milestone achievements. The program has been operated by CNHA for 2 years, and will be transitioned to DHHL by June 2007.

To visit the HOAP website, please click  here.