Alaska Housing Homeowner Assistance is federally funded by U.S. Treasury as part of the American Rescue Plan Act of 2021. Designed to help homeowners avoid mortgage delinquencies and foreclosures, approved payments will be distributed by AHFC and its partners directly to Mortgage Servicers and utility companies.
Alaska Housing Homeowner Assistance FAQs
Updated April 5, 2022
These FAQs are specifically for applicants. If you are looking for Mortgage Lenders/Servicers FAQs, please click here.
Alaska Housing Homeowner Assistance may include:
- Financial assistance to help homeowners reinstate a mortgage in forbearance, delinquency, or default;
- Repaying homeowner expenses including property taxes, hazard insurance premiums, HOA/condominium dues, cooperative maintenance fees, and a portion of ongoing payments for homeowners who continue to experience financial hardships due to COVID-19.
If delinquent on your mortgage, please be proactive and immediately reach out to your Mortgage Servicer to discuss options that may be available.
Basic eligibility requirements are listed below.
- You must be a homeowner and applying for aid in your primary residence that is located in the State of Alaska.
- You must satisfy minimum federal and State of Alaska requirements:
- Have experienced a coronavirus-related financial hardship after Jan. 21, 2020
- Not exceed the maximum household income as required by U.S. Treasury.
- At least one person per household must be directly or indirectly financially impacted by COVID-19
- Demonstrated risk of housing instability or homelessness
Yes. You must demonstrate negative economic or financial hardship due directly or indirectly to COVID-19.
Yes, eligible Alaskans meeting federal requirements and designated Area Median Income levels apply through the same process and program so long as the home for which they are requesting assistance is their primary (owner-occupied) residence.
To qualify for Alaska Housing Homeowner Assistance, your primary residence must be in Alaska. For information about assistance in other states, click here.
Income is based on the household — all income from adult household members.
Yes. The maximum allowable household income level varies based on your borough or census area. Area Median Income (AMI) is calculated by the U.S. Department of Housing and Urban Development (HUD) using data from federal entities such as the IRS. During the application process you will use an online eligibility checker that will automatically calculate your AMI. Income documentation will be required for all adults living in the household.
Yes. Please talk to your Mortgage Servicer so they are aware of the action you are taking, and be prepared to provide requested documentation as quickly as possible.
Yes. Homeowner Assistance Specialists will work with your Mortgage Servicer to determine the best course of action.
Yes. Alaska Housing Homeowner Assistance may be able to provide support with current and future utility and/or energy services payments to eligible applicants at their primary residence in Alaska.
Yes, you may apply for assistance for future utility payments. You will need to meet the income guidelines and have experienced a hardship related to COVID-19, such as loss of income.
No. Only owner-occupied properties are eligible.
Yes, if the property has more than one unit and you occupy a unit as your primary residence.
Eligible owner-occupied properties include:
- Single-family attached and detached properties
- Condominium units
- Manufactured homes permanently affixed to real property and taxed as real estate
- Mobile homes not permanently affixed to real property
- Land contracts
- 1 to 4-unit properties where the homeowner is living in one of the units as a primary residence
How Assistance Can Be Used
Yes. Funds will be used to first pay unpaid mortgage fees (provided you are able to demonstrate the ability to pay the mortgage going forward), then homeowner and utility bills. However, funds cannot be applied to past due balances that pre-date Jan. 21, 2020.
Yes. Funds may also be applied to repay past due homeowner expenses including property taxes and hazard insurance premiums.
Eligible utilities typically provided by municipal utility companies include:
- Natural gas
- Trash removal
Other home-energy and home-heating costs that are not provided by municipal utility companies are also eligible, and include:
- Home heating fuel or oil
- Wood pellets
Telephone, cable, and internet are not considered utilities and are not eligible.
The application period is now closed. The deadline to apply was Monday, April 4, 2022 at 11:59 p.m. AKDT.
If you could not participate in Alaska Housing Homeowner Assistance because there were barriers which prevented you from completing your application or because you were determined to be ineligible when checking your eligibility, submitting your application, or working with a service provider during verification, you may protest that decision to Alaska Housing Finance Corporation by completing and submitting this form.
No. If you pre-registered you do not need to register again. Check your email for a message from Alaska Housing Finance Corporation. In that email is a link to proceed with your application.
Once submitted, we will review your application to make sure it is complete. If you'd like to confirm that you've submitted all required information, visit the check status page. If everything is "in review" then you're all set for now. If we still need something, you'll find links to submit. Completed applications will then go into the verification process. At that time we will ask you for additional details and connect you with a Homeowner Assistance Specialist who will finalize your assistance.
Please check your spam and junk mail folders for the confirmation email. Please also double check your email address and phone number to make sure that there are no accidental typos in your entry.
To check the status of your application, click here and enter your confirmation code. If you don't have your code, check the confirmation email you received when you completed your eligibility check.
Watch this video to learn more about how to check your status online.
Yes, if you need assistance completing your application or providing supplemental documentation, a friend or family member can assist you. If you don't have someone who can help you, please call 1-833-330-8290 toll free for assistance.
You will need access to an email address - either personally or through a trusted resource, as well as access to the internet. Here are some options:
If you have an email address, but no internet access:
- Most public libraries offer limited public access to computers and the internet, and generally these services are free.
If you have internet access, but no email address:
- Gmail, via Google, offers a free basic email package. To sign-up, visit the official Gmail (https://www.google.com/gmail/about/) page and click "Create an Account."
If you do not have internet access or an email address:
- If you have a trusted resource, such as a relative or friend, consider asking for help completing your application online.
- A trusted resource can use their personal email to help you input and supply the necessary information, as well as receive information on your behalf — as long as that email is not already associated with an existing application.
If none of the above options are available to you, please contact our Call Center at 1-833-330-8290 toll free for assistance.
Language translation services are available via our Call Center at 1-833-330-8290 toll free.
All applications will be reviewed by a Homeowner Assistance Specialist to determine eligibility for Alaska Housing Homeowner Assistance.
Yes. During the application and verification process, you will need to provide certain documents, such as:
- A valid government issued photo ID
- Income verification such as W-2, 1099 or award statement
- 2021 federal tax returns (only pages 1 & 2)
- Verification of mortgage and mortgage documentation
After you have confirmed eligibility and submitted your application, you will work directly with a Homeowner Assistance Specialist to submit any required documents.
All data is encrypted and will never be shared with anyone outside of AHFC and its contracted application processing partners.
After you have submitted your application and met initial eligibility requirements, you will be asked by an AHFC Homeowner Assistance Specialist to submit additional documentation regarding your assistance needs. You will upload these documents to AHFC using our secure application process.
The Homeowner Assistance Specialist will work with your Mortgage Servicer, utility company or other payee to determine the amount of funds that you may qualify for and set up payments to help cover eligible expenses. You will also be asked to provide authorization to the Homeowner Assistance Specialist so that they can directly communicate with your Mortgage Servicer and/or utility company to verify your eligibility and set up payments directly to the servicer/utility company on your behalf.
Submit your application, and a Homeowner Assistance Specialist will work with you to determine the best approach for assistance.
Submitting an application does not guarantee financial assistance.
There is no guarantee of assistance. Because of the complexities of the review process, AHFC will review and assess the total statewide need before determining how, consistent with U.S. Treasury guidance, federal funds will be distributed.
No. Payments will be made directly to the Mortgage Servicer, utility/energy company, insurer, and/or tax authority, as appropriate.
Yes, you will receive an email notification when payments are made and you can check payment status online with your confirmation code.
The program allows for up to 12 months of mortgage assistance to eligible applicants. Other homeowner expenses may also qualify. The duration of your assistance will be determined during the application and verification process.
No. Emergency mortgage payments associated with Alaska Housing Homeowner Assistance are not considered taxable. For more information, click here.
No. AHFC will not report your information to credit bureaus as part of the application process. Applying for and/or receiving assistance will not impact a borrower’s credit score. However, borrowers need to remain current on all loan payments and/or payment arrangements, as servicing partners do report to credit bureaus.
Call 1-833-330-8290 toll free.