Frequently Asked Questions about 

Qualifying for our Homeownership Program


Q.  What are the income guidelines?

A.  We use HUD’s Median Income Guidelines for the Kenai Peninsula.  A family’s income must fall between 25% and 50% of the median income for the family’s size.  See the table at the bottom of the page.



Q.  Are there credit restrictions? 

A.  Yes. All liens and judgments must be satisfied prior to acceptance into the program. If a family has had a bankruptcy, it must have been discharged for two (2) years prior to application to our program. In addition, the family’s credit must be repairable and the family must be willing to address their credit issues as they work toward homeownership.

Q.  I currently own a home/property. Can I still apply?  

A.  No. As a “first time homebuyer” program, all applicants may have owned a home, but not within the last three years. (some Alaska Native land is exempt)

Q.  What if I currently own a mobile home?  

A.  Owning a mobile home (on rented space) is OK. You must sell or transfer title prior to purchasing a HFHA home. Families will need to be willing to work with us on a one-to-one basis to address this issue.

Q.  How do you define “need”?  

A.  Present housing is inadequate because of one or more of the following:

       •  unsafe

       •  unsanitary

       •  overcrowded

       •  temporary

       •  lacks accessibility

       •  not affordable

Q.  I just changed jobs. Is that a problem?  

A.  Not usually. We look at stable income over time. As long as you do not have gaps in your income history, changing jobs would not be a problem.

Q.  I am disabled and cannot do “sweat equity”. Can I still qualify for your program?   

A.  We welcome the challenge of finding jobs every adult can do. If you cannot climb ladders or paint, maybe you can help in the office or ReStore or by making phone calls from home.

HABITAT'S VISION: A world where everyone has a decent place to live.

Central Peninsula Habitat for Humanity (CPHfH)is an affiliate of Habitat for Humanity, International, (HFHI) a non-profit, all race, all religion organization that provides opportunities for home ownership for low income families.

Habitat for Humanity was founded on the conviction that every man, woman and child should have a simple, durable place to live in dignity and safety, and that decent shelter in decent communities should be a matter of conscience and action for all.

Central Peninsula Habitat for Humanity has an open-door policy: All who believe that everyone needs a decent, affordable place to live are welcome to help with the work, regardless of race, religion, age, gender, political views or any of the other distinctions that too often divide people. In short, Habitat welcomes volunteers and supporters from all backgrounds and also serves people in need of decent housing regardless of race or religion. 

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Central Peninsula

Habitat for Humanity

P.O. Box 2907

Soldotna, AK  99669

(907) 283-7797


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