Course Objectives

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This course provides Hawaii mortgage loan originators with a focused review of Hawaii's SAFE Act framework under HRS Chapter 454F and the unique property types and ownership structures that shape lending across the state. Participants will examine licensing expectations, professional conduct standards, prohibited practices, and real-world property scenarios — including leasehold estates, condominiums, and ohana units/ADUs — to strengthen their ability to reduce consumer harm, maintain accurate disclosures, and support sound underwriting outcomes.

‍By the end of this course, participants will be able to:

• Explain Hawaii's mortgage loan origination legal framework under HRS Chapter 454F, including licensing responsibilities, scope of authority, and standards of professional conduct.
• Identify prohibited practices under Hawaii law and describe the enforcement authority and risk indicators associated with noncompliance.
• Apply NMLS unique identifier requirements to communications and advertising in compliance with Hawaii's expectations for ethical, transparent origination.
• Distinguish between fee simple and leasehold ownership structures and explain the key borrower education considerations that arise in leasehold transactions.
• Recognize how condominium and HOA considerations affect borrower qualification, disclosures, and borrower expectations in Hawaii transactions.
• Identify common income, occupancy, and documentation pitfalls associated with ohana units and ADUs and apply best practices for accurate representation and complete file documentation.