Homeowner Help
First, take a breath.
You’ve come to the right place to start.
You may still have options. I help Oʻahu homeowners understand what is happening, organize the facts, and explore practical real estate solutions — without pressure or judgment.
You do not have to figure this out alone.
If you are behind on mortgage payments, receiving lender or HOA notices, worried about foreclosure, or facing a complicated property decision, it can feel as though everything must be solved immediately.
Some deadlines may be time-sensitive, but you do not need to know the answer before asking for help. We can begin by reviewing what is happening, what documents or notices you have, and which professionals may need to be involved.
I help homeowners facing situations such as:
Mortgage payments that are behind or becoming unaffordable
Foreclosure, lender, HOA lien, or collection notices
A possible short sale or property with little or uncertain equity
Probate, divorce, bankruptcy, title issues, or multiple owners
A home that needs repairs or has become difficult to manage
An inherited, tenant-occupied, or vacant property
Where are you today?
The earlier we understand the timeline, the more room there may be to explore options. Every situation is different, so the first step is identifying the notices, deadlines, balances, and people involved.
| Stage | What to do now |
|---|---|
| A notice arrived | Open it, keep the envelope, and write down every date or deadline. |
| Payments are behind | Gather recent mortgage, HOA, and property-tax statements. Estimates are enough to begin. |
| A sale date or hearing is listed | Contact the appropriate attorney and real estate professional promptly. |
| You are considering selling | Review estimated value, debts, repairs, and occupancy before deciding. |
| A short sale may be needed | Confirm the likely value and balances, then discuss the lender-approval process and legal or tax questions with the appropriate professionals. |
A conversation, not a sales pitch.
We start with a free 30-minute consultation to understand your immediate concerns and identify a manageable next step.
If a sale becomes the appropriate real estate solution, I can coordinate valuation, marketing, and the transaction; communicate with lienholders, homeowner associations, and the short-sale negotiation team; and work alongside your attorney or other advisers as needed.
If keeping the home may still be realistic, I will not pressure you to list. My role is to help you understand the real estate side so you can make an informed decision.
Start with the 7-question homeowner checklist
Use the checklist to organize notices, important dates, estimated balances, property value, your goals, and the professionals who may need to be involved.
You do not need exact payoff figures or every document before scheduling a consultation. Bring what you have, and we can identify what may still be needed.
- Notices & important dates
- Estimated balances
- Property value
- Your goals
- Professionals involved
Experienced, judgment-free guidance.
Chari Badua-Robinson is a licensed real estate broker with 38 years of experience and a focus on pre-foreclosure, short sales, and complicated property situations. Her approach is compassionate, hands-on, and judgment-free.
Let’s review what is happening — and what may still be possible.
30 minutes. No cost. No pressure. Bring any notices or recent statements you have, even if the information is incomplete.
Choose a Consultation Time