How to become a CLT Homeowner
|Below are the five steps a prospective homebuyer must take to apply for the program. Once fully-qualified, you may then engage in step 6 (selecting your CLT home).|
|We recommend you review the entire section and follow all steps (in order) before paying the application fee. Once you pay the application fee, you will not be refunded the $25 application fee regardless of application completion status or qualification status. We cannot confirm eligibility until you complete the full application.|
|Please speak to an ECLT staff member (via phone or email) if you are unsure about eligibility but want to start an application.
As an ECLT applicant, you will have 60 days to complete and submit your application online. If after that time you haven’t finished and submitted it, you will be automatically withdrawn from our system; the application fee is not refundable. You are welcome to reapply if you wish, but you will be required to pay an additional $25 application fee as this is considered a new application.
Step 1: Estimate Your Household Income compared to program Income Limits
|(a) Determine your household size (total number of people that would live in ECLT home at least 50% of the time)
(b) Review the Income Sheet for the location where you would like to purchase a home and for your household size and see if your total annual household income is estimated to be at or below the maximum household income. *ECLT cannot confirm eligibility until you complete the full application.
Denver Metro Income and Asset Limits sheet
|ECLT Asset Guide|
Step 2: Complete the ECLT Online Orientation
|Completion of the ECLT Orientation is a requirement to apply to our program.
|Enroll in the Online Orientation:||Inscríbase en la Orientación en Español:|
|RETURNING LOGIN||REGRESO DE INICIO DE SESIÓN|
Step 3: Complete a CHFA Homebuyer Education Course
- Enroll in a CHFA Homebuyer Education Course, either in person (free) or online ($75)
- Speak with a CHFA Homeownership Counselor to confirm your understanding of the course materials (CHFA will coordinate this step with you) – this will make you eligible for your Certificate of Completion to upload with your application.
- If you are an out of state applicant, please contact email@example.com for information.
|Click here to visit the CHFA Homebuyer Class Website|
Step 4: Speak with an ECLT Participating Lender
|ECLT Ratios One Pager|
|Down-payment assistance information|
Step 5: Apply to ECLT’s Affordable Homeownership Program!
Please use the buttons below to either start or resume your online application. The link below is similar, but not identical to the one emailed to you. If returning, you will need to verify your identity in lieu of a login and password.
|START AN APPLICATION||RETURNING APPLICANT LOGIN|
|Required Documents||Documentos requeridos (es)|
|Application Guide||Guía de aplicación ECLT (es)|