Frequently Asked Questions

At Aloha Foreclosure Solutions, we understand that failing behind on your mortgage can be overwhelming. Our goal is to educate homeowners, explain available options, and help prepare complete loss mitigation packages for lenders. We serve both fee simple homeowners and Hawaiian Home Lands (HHL) Lessees.

Disclaimer: Aloha Foreclosure Solutions is an independent foreclosure consulting company. We are not a law firm, lender, government agency, or HUD-approved housing counseling agency. We do not provide legal advice or guarantee loan modification approval or foreclosure prevention.

  • Foreclosure is the legal process a lender (servicer) uses to recover a property after borrower fails to make mortgage payments as required by the loan agreement. In Hawaiʻi, foreclosures may proceed through either the judicial (court) process or, in some circumstances, the nonjudicial process under state law.

  • Missing one payment does not automatically result in foreclosure.

    Most lenders will:

    • Assess a late fee

    • Report delinquency after applicable timeframes

    • Contact you regarding payment options

    • Encourage loss mitigation before foreclosure begins.

    The sooner you seek assistance, the more options are generally available.

  • Every lender is different.

    Generally:

    • 1 day late - Delinquent

    • 30 days late - Delinquent and reported to credit bureau(s)

    • 60 days late - Serious delinquency

    • 90+ days late - Foreclosure may begin

    Waiting usually limits available solutions.

  • Often, yes.

    Possible options include:

    • Forbearance

    • Repayment plan

    • Reinstatement

    • Loan modification

    • Refinance (when eligible)

    • Sale the property

    • Other negotiated alternatives

    Each case depends on your financial situation and lender guidelines.

  • No.

    Foreclosure is a legal process that usually takes time. Many homeowners have opportunities to communicate with their lenders and explore alternatives before a foreclosure sale occurs.

  • Forbearance temporarily reduces or pauses mortgage payments during a financial hardship. Payments are not forgiven and generally must be repaid according to an agreed plan.

  • A loan modification permanently changes one or more terms of your mortgage to make payments more affordable.

    Examples include:

    • Lower monthly payments

    • Extended loan terms

    • Interest rate adjustment

    • Capitalization of past-due amounts

    Approval is determined by lender.

  • Possibly.

    Many homeowners obtain loan modification or other workout solutions after foreclosure proceedings have begun. Acting early generally improves your chances.

  • Most lenders request:

    • Hardship letter

    • Income verification

    • Tax returns

    • Bank Statements

    • Pay stubs

    • Monthly budget

    • Mortgage statements

    Each lender has different documentation requirements.

  • You should consult a qualified bankruptcy attorney.

  • A foreclosure can significantly impact your credit score and may affect your ability to obtain future financing.

    However, working with your lender early may reduce long-term financial consequences.

  • We offer a range of solutions designed to meet your needs—whether you're just getting started or scaling something bigger. Everything is tailored to help you move forward with clarity and confidence.

  • Getting started is simple. Reach out through our contact form or schedule a call—we’ll walk you through the next steps and answer any questions along the way.

  • We combine a thoughtful, human-centered approach with clear communication and reliable results. It’s not just what we do—it’s how we do it that sets us apart.

  • You can reach us anytime by booking an initial talk stories session. We aim to respond quickly—usually within one business day.

    Click the Book now link to start your journey.

  • We offer flexible pricing based on your situation and complexity. After an initial conversation, we’ll provide a transparent quote. This is a fee-for-service company.