Hawaiian Community Assets


Our Philosophy – Kahua Waiwai

Ulu HCA developed and implemented a unique holistic approach to helping families achieve and sustain homeownership. Named Kahua Waiwai, which means “Foundation for Wealth,” HCA’s comprehensive program includes assessment, pre-purchase education, one-on-one counseling, and access to mortgage credit – all in the context of Native Hawaiian culture.

Kahua Waiwai espouses the basic philosophy of “A Sense of Place.” The home is viewed as a foundation (Kahua). Upon this foundation is built the family’s spiritual values and teachings (Waiwai). It is the spiritual value of the home and its surroundings that provides stability and the opportunity for families to build a secure future. Opportunities that help stabilize family life help to create a more stable community. Thus, it can be said that homeownership encompasses more than just the purchase of a house – it is an investment in the future. A strong foundation, if built properly, will serve generations to come.

Our History

HCA opened its doors in 2000, in Wailuku, on the island of Maui, with the charge to create a community development financial institution (CDFI) that would address the organization’s mission. After initially focusing on formation of a banking institution, HCA eventually settled on a mortgage broker operation within the existing nonprofit as the most efficient use of its capital resources. While developing lending programs for construction and long-term mortgages for use on Hawaiian Home Lands, HCA staff also developed a unique HUD-approved homeownership and financial literacy curriculum, adapted from standard Mainland and Native American curriculum to reflect local culture and values.

For its lending program, HCA opened an office in Honolulu and adopted a trade name, Hawai`i Community Lending (HCL). By mid-2002, HCA was offering a fully integrated program. Services included: outreach; training in financial literacy and homeownership; counseling for debt reduction, credit repair and saving; and access to construction and mortgage loans. In addition to these core services, HCA was providing important complementary services – for families, technical assistance on working through government processes and the complexities of having a home built, and for communities, assistance organizing to better address external barriers to successful community development.

In July, 2006, HCA moved its principal office from Maui to Honolulu in order to better serve families across the entire state.


  • Home Buyer Education
  • One-on-One Counseling
  • Financial Literacy
  • Mortgage Lending
  • Down Payment Assistance
  • Special Projects


Hawaiian Community Assets (HCA) and Hawai`i Community Lending (HCL) sponsor special events throughout the Hawaiian Islands, including FREE workshops, fundraisers, and training sessions. We’re dedicated to providing our community with the education and tools necessary to become successful homeowners.
Families First Financial Education Workshop – October 6 and 7, 2009

Hawaiian Community Assets (HCA) and Hawaii First Federal Credit Union are teaming up to hold a “Families First Financial Education Workshop” at the Hilton Waikoloa Village Resort on Tuesday, October 6 and Wednesday, October 7 from 9 a.m. – 4 p.m.

This 2-day event is open to the general public and will train individuals on how to start youth and family financial education programs utilizing local resources. Attendance is $35/person, including free parking and continental breakfast for two days. Special room rates of $149/night are available upon registration.

For more information, contact HCA Programs Coordinator, Jeff Gilbreath, at 1.866.400.1116 (toll-free) or via e-mail at jeff@hclending.com.

• Download the Families First Workshop – Registration Form (.pdf, 280K)

• Download the Families First Workshop – Press Release (.pdf, 336K)

• Download the Families First Workshop – Agenda (.pdf, 520K)

Home Buyer Education Courses

Hawaiian Community Assets is dedicated to increasing homeownership opportunities for Hawaii’s families through home buyer and basic financial management education programs and through one-on-one counseling in credit repair, debt reduction, saving for down payment and closing costs.

FREE home buyer education courses are offered throughout the Hawaiian Islands. Workshops cover the following topics: Are you ready to buy a home?, Managing Your Money, Understanding Credit, Getting a Mortgage Loan, Shopping for a Home, Keeping Your Home and Managing Your Finances.

Schedule for 2009 – 2010

OAHU: Hale Ponoi Bldg. in Kapolei (91-5420 Kapolei Pkwy. Kapolei, HI 96706)

    2009: October 17, November 21, December 12
    2010: January 23, February 27, March 13, April 17, May 8, June 26, July 17

HILO: Kinoole Plaza, 1990 Kinoole St., Hilo, Hawaii 96720

    2009: October 10, December 5
    2010: February 6, April 3, June 12, August 7, October 9, December 4

KONA: The Neighborhood Place of Kona, 74-5565 Luhia St B-1, Kailua Kona, HI 96740

    2009: November 14
    2010: January 9, March 6, May 15, July 10, September 11, November 6

MAUI: QLCC, 1871 Wilipa Loop, Wailuku HI 96793

    2009: October 17, November 21, December 19
    2010: To be announced

KAUAI: Kauai County Piikoi Bldg., 4444 Rice St. (Rooms A and B), Lihue, HI 96766

Kauai Orientations: 5 – 7 p.m.

    2009: September 10, October 5, November 2, December 7
    2010: To be announced

Kauai Workshops: 5 – 9 p.m. for two nights

    2009: September 30 + October 1, October 14 – 15, November 12 – 13, December 9 – 10
    2010: To be announced

Workshop and Registration Information

For information about workshops scheduled on Oahu, Kauai or Molokai, please call (808) 587-7886 or toll-free (800) 476-4718.

For workshops scheduled on Lanai or Maui, please call (808) 760-5100 or toll-free (866) 760-5105.

For information about our services on the Big Island, please call our Hilo office at (808) 934-0801.
Special Events, Home Buyer Education Courses