Application Process
To become an SCLT homeowner, download the necessary application documents to follow our three-phase process.
We offer financial assistance for closing costs and down payments for qualifying first-time buyers. Explore local lenders, resources, and homebuyer education options to support your journey from application to successful homeownership.
Download the application for everything that you need.
We are currently not accepting applications.
Homebuyer Financial Assistance Fund
Help support Many first-time homebuyers who qualify to purchase an SCLT home struggle to have the cash needed for closing costs or the down payment. We understand. The SCLT Board has established a fund to help such buyers. housing and community initiatives. Every donation makes a significant impact.
The process for requesting assistance is to first apply and complete the steps of Phase 1: Qualifications and Phase 2: Income Qualified.
If at this time, you are in need of a modest amount of financial assistance, please write to the SCLT Administrator and describe your need. The Administrator will bring the matter to the Board for consideration.
Before You Buy
Meet with SCLT Staff
After completing the SCLT application, an interview is held to determine your understanding of the program and your expectations of homeownership. The SCLT Staff will provide a SCLT Orientation. An AHFC Finally Home™ certificate is required. AHFC Finally Home™ Certification is achieved through taking their free 6-hour Homebuyer Education Class via home study. Register at finallyhome.org/en/partners/alaska
After You Buy
Work with SCLT Staff
After you are settled in your home, SCLT staff will be available to help your home purchase succeed over the coming years, until you are ready to sell. When that time comes, we will help you then, too. We’ll make sure you have access to classes that will help you succeed. We are also here to help whenever you need us - just reach out and we will assist you with whatever we can or connect you with someone who can.
Lenders & Resources
A lender will help you determine whether you meet the SCLT income requirements; determine whether you qualify for a mortgage; provide information on financial assistance available; provide information on the Sitka Community Land Trust program; and provide you with a pre-qualification letter.
Local Mortgage Lenders
First Bank
Contact: Dawn Wesley
Phone: (907) 790-5727
Website: firstbankak.com
First National Bank Alaska
Phone: (907) 747-7000
Website: fnbalaska.com
Tongass Federal Credit Union
Phone: (907) 747-6261
Toll Free: 1-800-960-8328
Website: tongassfcu.com
Residential Mortgage, LLC
Phone: (907) 523-7106
Website: residentialmtg.com/charly-musielak
USDA Rural Development
Housing Programs
Address:
204 Siginaka Way, Suite B
Sitka, AK 99835
Phone: (907) 747-3506
Fax: (907) 747-3597
Email: keith.perkins@ak.usda.gov
Email: marsha.lysons@ak.usda.gov
Website: rurdev.usda.gov
Down payment assistance: rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-guaranteed-loan-program
Alaska Housing Finance Corporation (AHFC)
Mortgage Loans & Down Payment Assistance
Phone: 800-478-AHFC (2432)
Outside Anchorage but within Alaska
Website: ahfc.us
Additional Resources
Alaska Community Development Corporation
FHA Programs
Have questions?
Want more information?
Just want to help?
Email us at contact@sitkaclt.org or fill out the contact form.
