Enter the dates from your foreclosure papers and see how much time you have — and what to do next.
An estimate for planning, not legal advice — timelines can vary by county and case. Confirm every date with your papers, the court, or your attorney. Free help: find a HUD-approved housing counselor.
Hawaii uses a judicial (nonjudicial power of sale remains on the books but was abandoned by major lenders for residential after Act 48 (2011); residential foreclosures are effectively all judicial) foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Depends on the track. JUDICIAL (the track nearly all residential foreclosures use): Hawaii gives no statutory right to reinstate — cure rights come from your mortgage contract (standard 30-day breach letter / reinstatement clause) or lender agreement, and you can pay the loan off in full up until the court confirms the sale. NONJUDICIAL (rare): the notice of default and intention to foreclose must give you at least 60 days from the notice date to cure (HRS §667-22(a)(6)), and cure is possible up to 3 business days before the sale; owner-occupants may also elect the Mortgage Foreclosure Dispute Resolution program (HRS §667-71 et seq.), which stays the nonjudicial foreclosure — a key reason lenders switched to court foreclosures after Act 48 (2011). HRS §667-22 (nonjudicial cure); no statutory reinstatement in judicial foreclosure
Before the sale: You can pay off the full debt (plus fees/costs) and stop the foreclosure at any time before the auction. In a judicial foreclosure the sale is not final until the court signs the Order Confirming Sale, and Hawaii practice generally allows payoff up until confirmation — but treat the AUCTION date as your safe deadline, because the confirmation hearing is court-set and can come quickly.
After the sale: NO statutory post-sale right of redemption in Hawaii for either judicial or nonjudicial foreclosure. Once the court confirms the sale (judicial) or the affidavit of sale is recorded (nonjudicial), the home is gone. Note: at the judicial confirmation hearing the court can reopen bidding if a higher bid appears, and any surplus above the debt and costs is paid toward junior liens and then to you — ask the commissioner/court about surplus funds. HRS ch. 667 (contains no redemption provision) · https://www.alllaw.com/articles/nolo/foreclosure/hawaii-foreclosure-laws.html · https://www.nolo.com/legal-encyclopedia/summary-hawaiis-foreclosure-laws.html
You can list and sell the home (keeping equity above the payoff) at any point before the auction, and often up until the court confirms the sale — Hawaii's slow judicial process usually leaves many months to do this. Practical rule: get the sale CLOSED (lender paid off) before the auction date; between auction and the confirmation hearing a payoff/sale may still be possible but requires court cooperation and is not guaranteed. After the Order Confirming Sale, title passes and only surplus sale proceeds remain available to you.
Want the fuller picture beyond the dates? Read the Hawaii foreclosure guide — timeline, rights & options.
Real property tax is administered by the four counties. Under the pattern of HRS §246-60 (carried into county codes), after a tax sale the owner may redeem within 1 year of the sale (or of late deed recording) by paying the sale amount plus the purchaser's costs plus 12% per-annum interest. Mechanics vary by county (Honolulu, Maui, Hawai'i, Kaua'i) — confirm with your county's real property tax office. HRS §246-60; county real property tax ordinances
Practitioner estimate (not statute): Hawaii residential foreclosures are effectively all judicial (Fannie Mae and Freddie Mac directed Hawaii foreclosures to the judicial track after Act 48 in 2011, and lenders use courts to avoid the MFDR program). Uncontested cases run roughly 6-14 months from complaint to confirmation; contested or backlogged cases commonly take 1-3 years. (Practitioner estimate, not a statute.)
If your mortgage predates your military service, the federal SCRA generally requires a court order to foreclose during active duty and for 12 months after (50 U.S.C. §3953). These protections must be raised — tell the court and your counselor.