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 If after that time you haven’t finished and submitted it,  you will be automatically withdrawn from our system; the application fee is not refundable.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. Please use the higher (MTSP) limit for determining program eligibility, knowing that some homes may only be available for buyers qualifying under the lower (FMR) income limits due to funding sources. See each individual property listing for details.

*ECLT cannot confirm eligibility until you complete the full application.

Denver Metro Income and Asset Limits sheet
Jefferson County Income and Asset Limits sheet
Boulder County Income and Asset Limits sheet
Fort Collins Income and Asset Limits sheet
Delta County Income and Asset Limits sheet
Colorado Springs 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 for the ECLT Online Orientation at the appropriate link below.
  • Complete all orientation modules with a passing grade of 80% or higher – this will make you eligible for your Certificate of Completion to upload with your application.
Enroll in the Online Orientation: Inscríbase en la Orientación en Español:


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 for information.
Click here to visit the CHFA Homebuyer Class Website

Step 4: Speak with an ECLT Participating Lender

  • Contact one or more ECLT Participating Lenders about obtaining a Pre-Approval Letter for ECLT’s Homeownership Program. All ECLT lenders only provide fixed-rate conventional mortgages to our homebuyers.
  • Work with your selected lender to complete an Initial Loan Application – both the pre-approval letter and the initial loan application will be required to complete your ECLT Application.

Click here to find a list of participating lenders

ECLT Ratios One Pager
Down-payment assistance information

Step 5: Apply to ECLT’s Affordable Homeownership Program!

  • Click on “Start An Application” and this will take you to ECLT’s free pre-screener. You must complete the pre-screener with information that indicates you may qualify for ECLT’s program to receive a link to the ECLT Application. If returning to a partially completed application, you will need to verify your email and then use instead of using a login and password.
  • Pay the $25 Non-Refundable Application Fee if you “pass” the pre-screener and then check your email for a link to your ECLT Application. Contact us at with any technical questions about the application.
  • Complete your application within 60 days of starting it to remain in the ECLT system. If there is no activity within your application within 60 days (such as uploading documents or completing sections), your information will be withdrawn and you will need to pay the $25 again to re-apply.
  • Wait to hear from ECLT Application Review Staff within 10 business days of your submittal. Your application is not approved until you receive a letter from ECLT that says “Congratulations…” in regards to your final ECLT approval.


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.



English Spanish
Required Documents Documentos requeridos (es)
Application Guide Guía de aplicación ECLT (es)
Elevation CLT makes homeownership more accessible for Colorado families through the community land trust model, a proven tool for creating and preserving accessible, inclusive communities for generations.