You don't have to face this alone. Find out what options may be available for your situation — it takes less than 60 seconds and there's no cost or obligation.
Simple Process
Getting the help you need is straightforward. Here's what happens after you submit your information:
Complete the short form above with your basic details and current mortgage situation. It takes less than 60 seconds and there's no cost or obligation.
Based on your information, a mortgage relief specialist may contact you to explore personalized solutions — including loan modifications, forbearance, principal reductions, and other relief options that may be available to you.
Take the next step toward real resolution. A mortgage relief specialist will help you understand every option available to your situation — so you can make an informed decision, protect your home, and move forward with confidence toward lasting financial relief.
Eligibility
You may be eligible for assistance if you are experiencing any of the following situations:
Job loss, reduced income, medical bills, divorce, or other financial setbacks that have made your mortgage unaffordable.
You are one or more mortgage payments behind and are concerned about your ability to catch up without assistance.
You have received a notice of default or foreclosure and need to act quickly to explore your options before time runs out.
Your current payment is consuming too much of your income and you are struggling to cover other essential living expenses.
Your ARM has adjusted upward and your new payment is significantly higher than what you were paying when you first took out the loan.
You owe more on your home than it is currently worth and want to explore relief options before considering more drastic steps.
How This Works
Mortgage Options Network is operated by Pipeline Harbor Digital LLC. When you submit your information, it will be reviewed by independent mortgage relief professionals who specialize in helping homeowners in situations like yours. There is no cost to submit your information. Any fees for services would be between you and the professional who contacts you.
Hawaii foreclosure, homeowner protections, and federal loss mitigation.
Hawaii allows both non-judicial and judicial foreclosure under Hawaii Revised Statutes Chapter 667, and its timelines are among the longest in the country given the mandatory dispute-resolution process and statutory waiting periods. The federal 120-day pre-foreclosure rule under 12 C.F.R. § 1024.41(f) applies first, before the process can begin.
Established by Act 48 of 2011 and codified at HRS § 667-71 et seq., the Mortgage Foreclosure Dispute Resolution (MFDR) Program is a mandatory process for owner-occupied residential foreclosures. It provides a structured loss-mitigation review with a neutral facilitator before the foreclosure can proceed — a key Hawaii-specific protection.
Both. The Act 48 of 2011 reforms significantly restructured non-judicial foreclosure for residential property, and as a result many lenders now choose judicial foreclosure in Hawaii to avoid the non-judicial procedural restrictions. The path the lender elects affects the timeline and the homeowner's options.
Federal Regulation X protections under 12 C.F.R. §§ 1024.39 and 1024.41 apply alongside Hawaii's Chapter 667 framework and the MFDR Program. A complete loss-mitigation application triggers the dual-tracking protection under 12 C.F.R. § 1024.41(g), which bars the servicer from advancing the foreclosure while the application is under review.
Nothing. The review itself is free. A mortgage relief professional reviews the loan type, the current stage in the Hawaii foreclosure timeline, and which federal and state protections apply. The professional you are matched with will discuss any fees for their services with you directly.
Additional Disclosures: Mortgage Options Network, operated by Pipeline Harbor Digital LLC, connects homeowners with independent third-party mortgage relief professionals. We share your information with independent third-party mortgage relief professionals. We are not a government agency, lender, servicer, nonprofit, or mortgage relief provider. Independent professionals who may contact you are solely responsible for their own services, qualifications, and conduct. We encourage you to ask questions and feel comfortable before proceeding with any professional who contacts you. Results vary based on individual circumstances. Loan modifications are not guaranteed. Not all homeowners will qualify for every program. We do not charge consumers for submitting their information; any fees for mortgage relief services are charged solely by the independent professionals who contact you. We encourage you to ask questions and feel comfortable before proceeding with any professional who contacts you. This website is for informational purposes only and does not constitute legal or financial advice. Mortgage relief options are subject to lender approval and applicable laws.