The Ulu Team
The Ulu Team Blog

Straight answers for Hawaiʻi's military homeowners.

Short sales, the VA Compromise Sale, PCS moves, credit — explained calmly and honestly by Oʻahu short sale specialist Daniel Ulu — a Coast Guard veteran who does this work every day.

Oʻahu ·
Hawaiʻi
New here? Read in order
01 The basics 02 PCS & moving 03 Credit & buying again
Start here The basics

What is a VA Compromise Sale? A plain-English guide for Hawaiʻi veterans

Owe more than your home is worth? The VA built a program specifically so veterans can sell, settle the shortfall, and avoid foreclosure. How it works — and what it costs you (nothing).

Daniel Ulu
Daniel Ulu
July 8, 2026 · 6 min read
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The Hawaiian Islands with Oʻahu highlighted in gold
Built for veterans. No cost to the seller.
Military life July 8, 2026 · 6 min

PCS orders and an underwater home: what military families on Oʻahu can do

Orders don't wait for the housing market. Your real options — renting it out, lender relief, or a Compromise Sale — compared honestly, plus how it fits a PCS window.

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Credit & recovery July 8, 2026 · 6 min

How a short sale affects your credit — and when you can buy again with your VA loan

What actually gets reported, the realistic recovery timeline, and the honest picture on your VA entitlement after a Compromise Sale.

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Foreclosure July 8, 2026 · 7 min

The foreclosure timeline in Hawaiʻi: what happens after a missed payment

Stage by stage — late notices, the 120-day rule, the court process, auction — and the options you still have at each step.

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Your options July 8, 2026 · 7 min

Short sale vs. foreclosure vs. deed in lieu: an honest comparison

Three doors out of an unaffordable mortgage — compared on control, credit, the shortfall, cost, and your VA entitlement.

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60s Am I underwater? Run your numbers privately → Signs a short sale may make sense for you → Watch: short sale answers in 2 minutes →
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