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Port Graham Sunset


Mutual Help Program

North Pacific Rim Housing Authority's Mutual Help Program is a lease-purchase homeownership program. Homebuyers enter into a 25-year lease agreement and the title to the home is transferred to the homebuyer at the end of that term. Homebuyers are responsible for all maintenance, utilities and repairs on the home for the entire term of the agreement and pay a monthly administrative fee, currently capped at $225.00, which pays for insurance and administrative requirements of the program. This program is NPRHA's largest single program with homes in every community in the region, but new homes are not currently being constructed under this program as we transition our homeownership programs to primarily down payment assistance and mortgage reduction. Around the region, NPRHA has constructed 175 homes under this program since it was established. Eligible participants for the program are Alaska Natives and American Indians whose income is at or below 80% median income for the area who have the resources to become homeowners.

Application Form

Affordable Rental Program

NPRHA's Affordable Rental Program is a rental program where tenants are charged their monthly rent based on 30% of the families' adjusted income. NPRHA currently has 90 units in this program, mostly apartment style, with units in each community in the region. Eligible participants in the program are Alaska Natives and American Indians whose income is at or below 80% of the median income for that area.

Application Form

AHFC Weatherization Program

The Alaska Housing Finance Lyman Weatherization Program administered by NPRHA provides weatherization assessments and grants in amounts up to $30,000.00 for energy efficiency upgrades and life safety repairs for homes in the region. NPRHA is the weatherization provider for all of our Mutual Help homes in the region and is also the provider for private homes in Chenega, Nanwalek, Port Graham and Tatitlek.  Income guidelines are higher for this program than other NPRHA programs with residents with annual incomes of up to median income qualified for assistance.  NPRHA will be performing work in Nanwalek, Port Graham, and Tatitlek in FY2009 and expand to other communities in the following years.  Priority will be given to the elderly, families with children under 6 years old, and very low income residents.

Application Form

Down Payment Assistance Program

NPRHA's Down Payment Assistance Program is designed to provide funding to eligible families who are purchasing an existing home or constructing a new home to make the payments affordable for the family. Eligible applicants are Alaska Native and American Indians whose income is at or below the 80% of area median income who are able to qualify for a mortgage for the balance of the purchase price of the home. Grant amounts are forgiven over 15 years if the home is used as the family's primary residence and not resold over that time. This program is currently only available in Seward and Valdez, with maximum grants up to $40,000.00, not to exceed 20% of the cost of the home.

Application Form

Additions Financing Program

NPRHA's Addition Financing Program is available to homebuyers in our Mutual Help Program who need to construct additional living space due to an increase in family size. Depending on income level and need the program can provide grant, low interest loans and market rate loans to homebuyers for construction of an addition. Eligible applicants are current Mutual Help homebuyers who have been in compliance with all program requirements for at least the past 12 months. Grants and low interest loans are restricted to homebuyers whose income is at or below 80% of area median income.

Application Form

Major Repair Loan Fund

NPRHA's Major Repair Loan Fund can provide loans for repair and replacement of major systems of the home if the homebuyer does not have the resources for the cost of the repairs. The program can provide loans of up to $5,000.00 for heating systems repair or replacement, well or septic system replacement, roofing repair or replacement, or other major repairs necessary for the family's safety or to prevent damage to the home. The loans can be for a maximum term of 60 months.