How to Apply

Review IHT’s Eligibility Requirements and Affordability Covenants. If you believe you are eligible for IHT’s programs:

  1. Fill out the personal data sheet (application) and attach income verification (recent pay stubs or most recent federal tax return).

  2. Go to the financial institution of your choice and obtain a certificate of pre-qualification.  (This is a form from the bank addressed to you that states you are qualified to obtain a mortgage loan of up to a certain amount, for example, $200,000.)

  3. Mail your completed application and the certificate of pre-qualification to Island Housing Trust, P.O. Box 851, Mount Desert, ME 04660 or submit it in person at our office at 1366 State Highway 102, 2nd Floor (Pineo Building), Town Hill.

  4. Your completed application will be reviewed by IHT’s Executive Director, who will make a formal pre-qualification determination of which you will be notified in writing, by post or email.

An application is not considered complete until the attachments and certificate of pre-qualification from the bank are received by IHT.  Absence of these materials means the application is incomplete.

Questions? Contact Marla O’Byrne at