Hili ha māhina ʻe valu mei he vela fakaʻauha ʻi ʻAokosí, ʻoku fakafuofua ki he kau maʻu ʻapi ʻe toko 781 ʻi Lahaina ʻoku nau maʻu ʻapi ʻoku nau kei fehangahangai pē mo ha ngaahi tūkunga fakalilifu, ʻoku nau nofo ʻo ʻikai haʻanau ʻapi pea ʻoku nau maʻu fakataha ha paʻanga ʻoku laka hake ʻi he $225 miliona ʻi he ʻuluaki nō.

ʻI hono ʻiloʻi ʻo e fie maʻu vivili ko ʻení, kuo hoa ngāue ai ʻa e Kautaha No ʻa e Komuniti ʻo Hauaiʻí (HCL) mo e Kautaha ʻa e Komuniti ʻo Hauaiʻí mo e Holomua Collective ke fokotuʻu ʻa e Polokalama Fakaakeake ʻa e Kau Maʻu ʻApí ʻi Lahaina. Ko e polokalama ta’u ‘e tolu ko ‘eni ‘e tokoni ia ki he kau ma’u ‘api ‘e toko 500 ‘i Lahaina ‘oku nau ma’u ‘api ke nau ta’ofi ‘a e to’o ‘o e koloa pea ke nau taau ke ma’u ha pa’anga ke toe langa honau ngaahi ‘api. Ko e ngaahi hoa ngaue mo e HCL ke fakapa'anga 'a e polokalama ko e: Pangikē 'Uluaki Hauai'i, Pangikē Tanaki Pa'anga 'Amelika, Pangikē 'o Hauai'i, Pangikē Pasifiki Lotolotó, Pangikē HomeStreet, Pangikē Fakafonua 'o Hauai'i, Ngaahi Me'a Fakapa'anga, Holomua Collective, Pa'anga Malohi 'a Maui 'a e Kautaha Fakakomiuniti 'o Hauai'i, mo e Potungāue Fonua 'o e 'Api 'o Hauai'i. Naʻe fakalahi ʻe he Pangikē No ʻi ʻApi ʻa e Puleʻangá (FHLB) ʻa e aʻu atu ʻa e ngaahi hoa ngāue ʻi he pangikē ʻaki ʻene Paʻanga Uesia ʻa e Mēmipá ʻi he 3:1, ʻa ia naʻe faʻu ke ʻoatu ki he ngaahi kautaha ʻoku taau ʻa e poupou fakapaʻanga mahuʻinga ki he ngaahi fale ʻoku ala maʻú mo e ngaahi fokotuʻutuʻu fakalakalaka fakakomiuniti ʻi he ngaahi feituʻu ʻoku fakataumuʻa ki ai ʻa e vahefonua FHLB Des Moines.

‘E fakalahi atu ‘a e Polokalama Fakaakeake ‘a e Kau Ma’u ‘Api ‘i Lahaina mei he Pa’anga Fakafepaki’i ‘o e Feitu’u ‘a e HCL ‘a e Kānaka ke ne tokoni’i ‘a e kau ma’u ‘api kotoa pe ‘oku nofo ‘i Lahaina. Naʻe kamata ʻa e paʻangá ʻi Sepitema 2023 ke tokoniʻi ʻa e kau maʻu ʻapi tuʻufonua ʻe toko 104 ʻo Hauaiʻi ʻi he ʻapi nofoʻanga ʻo Leialiʻí ke nau maʻu ʻa e ngaahi tohi kole mo e ngaahi tangi ʻa e FEMA/SBA; ko ha tokotaha fakatonutonu maluʻi fakapuleʻanga ʻoku fakapaʻanga ʻe he paʻanga tokoní; faleʻi fakavavevave ki he nō; tokoni ki hono fakasi’isi’i ‘o e mole; mo e ngaahi tokoni kehe mo e ngaahi nō totongi tupu siʻisiʻi ke tokoni ki hono fakapaʻanga ʻenau ngaahi tūkunga moʻui fakataimi, ngaahi nō ʻoku lolotonga ʻi aí, mo e toe langa ʻi he kahaʻú.

Fakatatau kia Jeff Gilbreath, ko e talēkita pule ʻo e HCL, ʻoku mahuʻinga ʻaupito ʻa hono fakalahi ʻo e polokalamá he taimí ni ʻi he ʻikai lava ʻe he tokolahi ʻo e kau maʻu ʻapi ʻi Lahaina ʻo nofo ʻi honau ngaahi ʻapí pea ʻoku ngalingali ʻoku nau aʻusia ha mole ʻi he paʻanga hū maí.“

Kapau ʻe ʻikai lava ʻe heʻetau kau maʻu ʻapí ʻo taʻofi ʻa e fakaʻauha ʻo e koloá mo toe langa honau ngaahi ʻapí, te tau sio ki ha uesia fakaʻauha ki he ngaahi fāmili kakató, paʻanga hū mai mei he tukuhau koloa ʻa e vahefonuá, ʻa e sisitemi fakapaʻanga tefitó, mo e ʻikonomiká fakakātoa,” ko Gilbreath ia. “ʻOku mau mahalo homau ngaahi hoa ngāué ʻi heʻenau poupoú mo ʻenau tukupā ke ngāue fakataha ki ha taumuʻa tatau ke taʻofi ʻa e fetukutuku ʻo hotau kakai fakalotofonua mo fakafonua ʻo Hauaiʻí mei Maui mo e ngaahi motú.”

Naʻe pehē ʻe Kris Williams, Palesiteni ʻo e Pangikē No ʻApi Fakafederal ʻo Des Moines, “Ko e Paʻanga Uesia ʻa e Mēmipá ko ha founga pē ʻe taha ʻOku fakaʻatā ai ʻe he FHLB Des Moines ʻetau kau mēmipá ke nau fetuʻutaki hangatonu mo e ngaahi kautaha fakalotofonuá, hangē ko e No Fakakomiuniti ʻa Hawaiʻi, ʻa ia ʻoku nau mahuʻinga kiate kinautolu, ʻo fakatupu ha mahuʻinga mo ha uesia tuʻuloa ʻi honau ngaahi komiunitií tonu. ʻOku tokoni ʻa e tukupā ʻa hotau kāingalotu Hauaiʻí, mo ʻenau fehokotaki mo e ngaahi kautaha fakalotofonuá, ke fakalakalaka ʻa e ngāue lelei ʻoku fai ʻi Hauaiʻí.”

Naʻe pehē ʻe Micah Kāne, ko e Palesiteni mo e Pule Lahi ʻo e Kautaha Fakakomiunitī ʻa Hauaiʻí, “Kuo mau fakapapauʻi ʻoku fakataumuʻa ʻa e Paʻanga Tokoni Mālohi ʻa Maui ke tokoniʻi ʻa e ngaahi fāmili fakalotofonua ʻo Maui ke nau toe fakaakeake mo fakamoʻui. ʻE hoko ʻa e hoa ngāue fakapotopoto ko ʻení ko ha konga mahuʻinga ʻo e feinga ko ʻení ʻaki hono fakapapauʻi ʻoku lava ʻa e ngaahi fāmilí ʻo nofo mo tupulaki ʻi Maui Hihifo.”

Ko e HCL te ne tokanga'i mo fakalele 'a e Polokalama Fakaakeake 'a e Kau Ma'u 'Api 'i Lahaina. ‘E fakataha ‘a e kau ngāué mo e kau ma‘u ‘apí ke fakahoko ha ngaahi sivi nō ‘oku ‘ikai ke totongi, vakai ki he ngaahi ngāue tokoní, pea tokoni ki hono malu‘i ‘o e pa‘anga malu‘í, ngaahi tokoní mo e ngaahi nō. ‘I he malumalu ‘o e hoa ngaue ko ‘eni, ‘e ngaue ‘a e HCL mo e ngaahi pangike fakalotofonua ke fakalelei’i ‘a e ngaahi mokesi ‘oku lolotonga ‘i ai ke ta’ofi ‘a e faka’auha ‘o e ngaahi koloa pea ke ma’u ha pa’anga ki he mokesi.

Naʻe pehē ʻe Mike Pietsch, ko e Sea Poate ʻo e Holomua Collective, “ʻOku fakatefito ʻemau ngāué ʻi hono tauhi ʻo e ngaahi fāmili ngāue fakalotofonua kotoa pē ʻi Hauaiʻi ʻaki hono fakapapauʻi ʻoku nau lava ʻo nofo. Ko e vela fakamamahi ʻi Mauí kuó ne ʻai ʻeni ko ha tūkunga fakatuʻutāmaki mo vave ki ha ngaahi fāmili tokolahi ʻi ai. ʻOku mau ʻamanaki ʻe ʻi ai ha fatongia ʻo e paʻanga ko ʻení ʻi hono fakafoki ʻo e ngaahi fāmilí ki honau ngaahi ʻapí.”

‘Oku palani ‘a e HCL ke kamata tali ‘a e ngaahi tohi kole mei he kau ma’u ‘api Lahaina ‘oku nau taau ‘i Siulai 2024. Kapau ko ha tokotaha ma’u ‘api Lahaina koe na’a ke nofo ‘i ho ‘api ‘i he taimi na’e hoko ai ‘a e ngaahi vela, ‘e lava ke ke fakamo’oni ke fokotu’u koe ‘i ha lisi ‘o e pa’anga ‘oku ke fiema’u ‘aki ho’o fakafonu ‘a e Foomu Fiefia ‘i he https://lhrp- interest-form/lhinterp-zapier.

'A'ahi ki he https://hawaiicomunitylending.com/mauirelief/ ki ha fakamatala lahi ange fekau'aki mo e polokalama.

Ko ha hoa ngaue fakapa'anga falala'anga 'o e komiuniti, Na'e fa'u 'a e HCL ke fakapa'anga 'a e 'ekosisitemi fale 'oku ala ma'u mei he homebuyer ki he homebuilder ki he homeowner. 'I he ngaue ke tokoni ki hono solova 'o e faingata'a'ia 'o e fale 'i he siteiti kotoa, 'Oku 'oatu 'e he HCL 'a e ngaahi koloa mo e ngaahi ngaue ki he kakai fakalotofonua mo e kakai fakafonua 'o Hauai'i ke langa, fakatau, mo fakahaofi 'a e ngaahi 'api mei he foreclosure.