Escrow & Title

What is a 'notice of default' in Hawaii's foreclosure process?

AA. A letter from the lender informing the borrower they have missed a payment
BB. A formal notice filed to begin the non-judicial foreclosure process when a borrower has defaulted on a mortgage✓ Correct
CC. A notice from the title company that title is not clear
DD. A court order requiring the borrower to appear before a judge

Explanation

In Hawaii's non-judicial foreclosure process (power of sale), the lender files a notice of default (and election to sell) with the Bureau of Conveyances after the borrower defaults. This formally initiates the foreclosure timeline and establishes the borrower's right to cure the default within a specified period.

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