Free Foreclosure Help for Oʻahu Homeowners — Know Your Options Before Making Any Decision.
No pressure. No judgment. Just options. If you're overwhelmed, we'll slow it down and take it one clear step at a time.
Aloha — we're Gift, Jason, and Mike, local homeowner advocates here on Oʻahu. Our help is 100% free of charge. One conversation could show you options you didn't know you had.
Not legal or financial advice — we are advocates, not attorneys. Full disclaimer →
Does this sound like you?
You likely have more time and options than you think.
Your neighbors, here to help
Homeowner Advocates • Outreach • Educators — committed to helping Oʻahu homeowners, free of charge.
I advocate with heart and clarity, serving as a dedicated guide for Hawaiʻi families facing housing challenges. I focus on listening first—truly understanding each situation—to help homeowners simplify their options and find a clear path forward. My approach is built on patience and honest communication, ensuring every homeowner feels supported and empowered to make the best decision for their future without any pressure.
I serve homeowners across Hawaiʻi with steady guidance and clear communication. I help families navigate complex property situations by explaining their options plainly, organizing the details, and outlining practical next steps. My approach is education-first and pressure-free, ensuring every homeowner understands their choices and can move forward confidently with trusted local support.
I'm a local Oʻahu neighbor who helps homeowners facing foreclosure, probate, and liens understand where they stand and what their options are. When the mail piles up and the notices get scary, I'm the friendly voice who sits down with you, talks story, and walks through every choice — keeping the home, pausing, or selling — without any pressure. My job is to make sure you never have to face this alone, and that you move forward knowing every option available to you.
Every path, explained plainly
Keep your home
Loan modifications, repayment plans, and hardship programs — even after a notice.
Sell your home
Only if you choose to — on a fair timeline, with no pressure.
Probate & liens
Inherited homes, tax liens, and HOA liens — know the basics first.
Three simple steps
Stabilize
We find the real deadlines and immediate risks, so the panic can stop.
Choose
We map out all your options — keeping the home, pausing, or selling.
Act
We walk beside you as you make a plan and connect with the right resources.
Questions homeowners ask most
Is your help really free?
Yes. Our homeowner support and resource connections are 100% free of charge for homeowners. There's no obligation and no pressure to sell.
Do I have to sell my home?
No. Understanding your options comes first — keeping the home, pausing foreclosure, negotiating, or selling only if you choose. No one should make that decision without knowing all the alternatives.
What should I bring (or tell you) on the first call?
If you have them: any foreclosure notice, your loan servicer or lender's name, court case information, auction date, HOA or tax letters, and your best contact details. If you don't have documents, that's okay — we'll start with what you know.
Are you lawyers or HUD counselors?
No. We are homeowner advocates. We share general information to help you understand your situation and options. We don't provide legal or tax advice. When those services are needed, we connect you with trusted, verified professionals.
If there's an urgent deadline, what should I do?
Call or text one of us as soon as possible so we can confirm dates and identify the fastest next steps. If you're in immediate danger of losing housing, contact a HUD-approved housing counselor or Legal Aid right away.
One free call could change everything
Most homeowners feel real relief after just one conversation. No cost, no obligation — ever.
Call or text any of us
Serving Oʻahu. If we miss your call, we will return it. In immediate danger of losing housing? Contact a HUD-approved counselor or Legal Aid right away.
Or send us a message
Important information
Not professional advice
The members of Oʻahu Homeowner Advocates are homeowner advocates and are not licensed attorneys, mortgage professionals, financial advisors, tax advisors, or HUD-approved housing counselors. Information provided through this website or in person is general and educational only and is not legal, financial, tax, or real estate advice. No attorney-client or fiduciary relationship is created by using this site or contacting us.
Free to homeowners
We do not charge homeowners fees or request advance payments, and we do not take any portion of your money or property. In some cases, a member of our team may be interested in purchasing a home if the homeowner chooses to sell — this is always disclosed upfront, and you are never obligated to sell to anyone.
Urgent situations
If you are facing an imminent foreclosure sale or court deadline, contact a licensed Hawaiʻi attorney, the Legal Aid Society of Hawaiʻi, or a HUD-approved housing counselor immediately. Do not rely on this website in place of timely professional help.
Privacy
Messages sent through the form are delivered through a third-party form service (Formspree) and used only to respond to your request. We never sell or share your information for marketing.