We offer financial education, grants and loans to assist our local people build genuine wealth that can be shared and passed on to future generations. We operate four offices located on four islands in Anahola, Kaua‘i; Hilo, Hawai‘i; Honolulu, O‘ahu and Wailuku, Maui. In 2002, HCA took a major step forward by establishing Hawai‘i’s first nonprofit mortgage broker operation – Hawai’i Community Lending (HCL). While developing lending programs for construction and long-term mortgages for use on Hawaiian Home Lands, HCA staff also developed a HUD-approved homeownership and financial education curriculum – Kahua Waiwai: Building a Foundation of Wealth© – adapted from standard homebuyer and Native American curriculum to reflect local culture and values.