Federal disaster proclamation unlocks mortgage relief for storm-impacted Hawaiʻi residents

Governor Josh Green has issued an emergency proclamation for Hawaiʻi due to the imminent threat of the two recent Kona Low weather systems.

The move comes as recovery continues from recent storms that caused widespread flooding and damage across the islands.

On April 8, President Donald Trump approved a federal major disaster declaration for Hawaiʻi, making additional resources available to support recovery efforts and provide relief to affected residents.

According to the state Department of Commerce and Consumer Affairs, the federal declaration activates key mortgage relief protections for qualifying homeowners. These measures may include temporary foreclosure moratoriums, forbearance options and the waiver of certain late fees.

Officials are urging residents impacted by the Kona Low storms to contact their mortgage servicer or financial institution promptly to learn what assistance programs they may be eligible for.

By clicking the link below, affected homeowners can access support from federal agencies and state programs that provide guidance and assistance:

The Federal National Mortgage Association has resources and guidance to assist homeowners impacted by national disasters: https://yourhome.fanniemae.com/get-relief/disaster

You can search if your mortgage loan is under FNMA here: https://yourhome.fanniemae.com/calculators-tools/loan-lookup

The Federal Home Loan Mortgage Corporation has resources and guidance to assist homeowners impacted by national disasters. Click here to learn more.

You can search if your mortgage loan is under FHLMC by clicking here.

The Federal Housing Administration offers housing counseling to any homeowner, regardless of where they obtained their mortgage.

Homeowners can contact the FHA Housing Counseling Services at 1-800-569-4287 and the FHA Resource Center at 1-800-304-9320. Additional information can be found by clicking here.

The DCCA Division of Financial Institutions recommends that homeowners impacted by the disaster contact their financial institution (banks, depository financial services, loan companies, or credit unions) or their mortgage servicer for resources and guidance.

Homeowners can use the Mortgage Electronic Registration Systems website to find out who services their mortgage loan by clicking here.

For questions or assistance, contact the Division of Financial Institutions at 1-844-808-3222 or at dfi@dcca.hawaii.gov.