Private Money Lending in Hawaii
Hawaii's private lending market is active due to high property values and strong tourism-driven investment, concentrated on Oahu, Maui, and Big Island.
This guide covers the essential legal and compliance considerations for private money lenders originating loans secured by real property in Hawaii. Whether you are a local private money lender or expanding into Hawaii from another state, understanding these requirements is critical to protecting your investments and ensuring enforceability of your loan documents.
Key Compliance Considerations for Hawaii
• Hawaii permits both judicial and non-judicial foreclosure; non-judicial requires a power of sale clause in the mortgage
• The state has mandatory mediation for residential owner-occupied properties (Act 48)
• Hawaii is a judicial confirmation state — even non-judicial foreclosure sales may require court confirmation
• Property values are among the highest in the nation, resulting in larger loan amounts and higher risk concentration
Generate Hawaii-Compliant Loan Documents
Automate Loan Docs generates complete, Hawaii-specific document packages that comply with all applicable state requirements. Every template is drafted by the attorneys at Geraci LLP, whose team has over 30 years of combined experience advising private money lenders across all 50 states — including extensive experience with Hawaii lending transactions.
This guide is for informational purposes only and does not constitute legal advice. Private lending laws are complex and change frequently. Consult with a qualified attorney before originating loans in Hawaii. The attorneys at Geraci LLP are available for state-specific legal consultation.
Related: Usury Laws by State | Deed of Trust vs Mortgage | Multi-State Lending Guide | Glossary