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To become a homeowner in the Habitat for Humanity Homeowner Program, you must meet the homebuyer qualifications. Check it out below!


Home buyer qualifications


Need for Housing

Willingness to partner

1. Residency

Every Habitat homeowner program applicant must ...

be U.S. Citizens or Permanent Residents.

have live or worked  in the Anchorage area for at least one year. 

have not owned a house in the last three years.


2.Financial requirements 

Every Habitat homeowner program applicant must ...

have at least one year of on-time rental history

do not own a mobile home and/or land, or if you do, are willing to sell it. 

have less than $10,000 liquid assets 

Can pay a monthly mortgage payment

  • Stable sources of income

  • Good or repairable credit

  • Out of bankruptcy at least two years with good credit history during that time frame

  • Adequate income to pay mortgage, insurance and property tax, other monthly payments and still be able to meet family needs

  • Meet income guidelines –see the chart below

FY 2024 Income Limits Summery


*Specific income guidelines will be discussed once a family or individual has submitted an application. Habitat does not discourage anyone from applying for our homeownership program. However, please note that in addition to meeting Habitat's monthly income and debt requirements, an applicant must not have filed bankruptcy or had property foreclosed on within the past three years. All court fees, fines, time served, community service, etc. 
must be fully satisfied and any civil judgment or tax lien paid in full or satisfied prior to being  accepted into the homeownership program.

financial requirements

3.Need for housing  

Every Habitat homeowner program applicant must ...

report a need for housing

 Examples of housing need 

  • Unsafe/Unsanitary conditions

  • Lack of accessibility needed by the homeowner

  • Not enough room for all family members

  • Too far from work, school, and/or other important places

  • Hostile/Unfriendly community or neighbors

need for housing

4.Willingness to partner

Habitat homebuyers help build their own homes alongside volunteers and pay an affordable mortgage.

Every Habitat homeowner program applicant must ...

be a partner with  us and makes our program possible

perform between 250-600 hours of “sweat equity”

Attend Dave Ramsey Financial Class, AK Housing first time homebuyer class, and HOA classes etc.,

work side-by-side with volunteers

willingness to partner

.... and MUST attend our homeowner information session.  

Every once year, we host a series of Information Sessions where potential homebuyers learn about our program and apply for homeownership. All Information Sessions are free to attend and you will have a chance to see what homes are available for purchase.

  • Information sessions are scheduled either in person or online.

  • We will hand out Homeowner Program applications after the Information session. Please make sure to attend to the end of the session.

  • Families must attend this session as part of their application. Accommodations can be made with enough advance notice and will be evaluated on a case-by-case basis.

  • Dates for each round of Information Sessions will be announced on our Facebook page and by email to anyone who has already expressed interest in the program.

  • Information Sessions are currently only offered in English. If you need interpretation services, contact the office staff.


Next homeowner 
information session


Take a first step! 
Register interested foam and get an e-mail when Homeowner program will start.


If you have any further questions,
please do not hesitate to contact us!

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We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunities throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

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