Step-By-Step Homeownership

1. Are you Eligible? Review the eligibility criteria.
   
   
2. Review the Steps to Apply Review the following steps listed below.
   
   
3. Watch a Video to learn more about Community Land Trusts.
   
   
4. Pickup/Download a SCLT ApplicationThe application was revised 11/7/17. Hard copies can be picked up at 606A Sawmill Creek Road.
   
   
5. Meet with Lender The 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.
   
   
6. Homebuyer Education Before you Buy: Meet with SCLT Staff. After completing the SCLT application, an interview with staff is held. AHFC HomeChoice™ Certification is achieved. This is a free 8 hour Homebuyer Education Class. It can also be a home study course if classes are not available. Visit their website. HUD also has a qualifying class (for a fee), Finally Home! https://www.finallyhomecourse.com/en/


7. After you Buy: Work with Staff. We'll help you succeed with access to classes!


8. Close the Deal The selection process will conclude with a lottery. Sign the SCLT Ground Lease and the deed to the home is transferred to you. Congratulations, you are a homeowner!