HRS §201H-46
Co-mortgagor help for a home loan
Read the official text at capitol.hawaii.gov ↗A qualified resident can get help from a family member co-mortgagor to qualify for a home loan. The co-mortgagor must not live in the home, can own only a tiny share, and their income and assets are not counted for eligibility.
homebuyers
The statute, as written — Co-mortgagor
A copy, taken August 20, 2026. The version published by the Legislature is the one that governs, and it may have changed since. Check it before relying on anything here.
For purposes of qualifying for a mortgage loan to finance the purchase of a dwelling unit under this part, a qualified resident as defined in section 201H‑32 may be assisted by a co-mortgagor who is a family member as defined by the corporation, and who may include extended or hanai family members, who may own other lands in fee simple or leasehold suitable for dwelling purposes, whose interest in the dwelling unit to be purchased is limited to no more than one per cent, and who certifies that the co-mortgagor does not intend to reside in the dwelling unit. The income and assets of the co-mortgagor shall not be counted in determining the eligibility of the qualified resident under this chapter.
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