CVHT Homebuyer Application

CVHT Homebuyer Application
Before applying:
1. Watch this short video on CLTs.
While applying:
1. Fill out the form as completely as you can. This helps us accurately serve you.
2. Some documents you might want on hand: Paystubs, debt amounts per month & bank balances.
Applicant

The applicant will be the person signing the note on the home.
Name

First NameLast Name
Email
example@example.com
Home or Mobile Phone
Mailing Address
City
State
Postal Code
Are you a U.S. Citizen or Permanent Resident
Date of Birth

MonthDayYear
Date
Primary language

Other
What is the total number of people in your household?
Includes all dependants
Out of the above, many are dependents in the household?
Dependents are 18 and younger living at home more than 50% of the time. If 0 enter 0.
Race
Ethnicity
Co- App Gender
*Do you currently live and/or work or have an offer of employment in the Chelan Valley?
Please check all that apply:
Education Level
Employment Status
Co-Applicant (If any)

The Co-Applicant is someone who will also sign the note on the home.
Co-Applicant Name

Co-App First NameCo-App Last Name
Co-App Date of Birth

MonthDayYear
Date
Co-App Email
example@example.com
Co-App Phone
Is the Co-Applicant a U.S. Citizen or Permanent Resident?
Co- App Gender
Co-App Race
Co-App Ethnicity
Co-Applicant please check all that apply:
Co-Applicant Education Level
Co-Applicant Employment Status
Additional Household Member #1 (If none skip to Financial History)
Name

First Name Last Name
Date of Birth

MonthDayYear
Date
Gender
Race
Ethnicity
Is this person a dependent of the Applicant and/or Co-Applicant?
Does this person live in the house more than 50% of the time?
Check all that apply
Additional Household Member #2
Name

First NameLast Name
Date of Birth

MonthDayYear
Date
Gender
Is this person a dependent of the Applicant and/or Co-Applicant?
Does this person live in the house more than 50% of the time?
Race
Ethnicity
Please check all that apply:
Additional Household Member #3
Name

First NameLast Name
Date of Birth

MonthDayYear
Date
Is this person a dependent of the Applicant and/or Co-Applicant?
Does this person live in the house more than 50% of the time?
Gender
Race
Ethnicity
Please check all that apply:
Additional Household Member #4
Name

First NameLast Name
Date of Birth

MonthDayYear
Date
Is this person a dependent of the Applicant and/or Co-Applicant?
Does this person live in the house more than 50% of the time?
Gender
Race
Ethnicity
Please check all that apply:
Additional Household Member #5
Name

First NameLast Name
Date of Birth

MonthDayYear
Date
Is this person a dependent of the Applicant and/or Co-Applicant?
Does this person live in the house more than 50% of the time?
Gender
Race
Ethnicity
Please check all that apply:
Financial History
How many times have you been late with your bill payments in the last year?
How much do you typically pay on your monthly credit card bill?
If you've been involved in the foreclosure process when was your first notice of foreclosure?
If you've declared bankruptcy in the past 7 years, when was your bankruptcy discharge?
Please enter your credit score to help us guide you in acquiring lending
If you don't know it, click on the link below and get a free credit report.
Note on home financing: Currently a credit score of 640 or higher is generally required to secure lending for a home. If you do not know your credit score, you can check it for free here.
Assets

Cash, investments, and real estate you own.
Please list the current the value of all household assets.
*Checking accounts
Dollar amount only e.g. 3000
*Savings accounts
Dollar amount only e.g. 3000
*How much do you currently have saved for a down payment on a home?
Dollar amount only e.g. 3000
*Investment accounts
Dollar amount only
*Value of owned Real Estate/Land
Dollar amount only
*CDs (Certificate of Deposit) Accounts
Dollar amount only
Other

Name of Asset Value in dollar amount only
Monthly Debts

Monthly debts (car payments, mortgage etc.) allow us to calculate your affordability.
Please list all MONTHLY household debt payments including student loan payments. Not total debt amount, just what you pay monthly. Thank you!
*Credit Cards

Name of Debt MONTHLY Payment
*Education Loans

Name of Debt MONTHLY Payment
*Auto Loans

Name of DebtMONTHLY Payment
*Lines of Credit

Name of DebtMONTHLY Payment
*Mortgages

Name of DebtMONTHLY Payment
*Other

Name of DebtMONTHLY Payment
Employment/Income Source Information

Include each income source any household member receives. Sources of income include employment as well as benefits, social security, child support, interest, unemployment, disability, tips, and self-employment.
Income Source #1
Wage Earner
Income Type
Date of Hire or first payment

MonthDayYear
Date
Occupation Description
*Gross Annual Income from this source
In dollars, e.g. 30000
Income Source #2
Wage Earner
Income Type
Date of Hire or first payment

MonthDayYear
Date
Occupation Description
Gross Annual Income from this source
Income Source #3
Wage Earner
Income Type / Tipo de ingreso
Date of Hire or first payment

MonthDayYear
Date
Occupation Description
Gross Annual Income from this source
Income Source #4
Wage Earner
Income Type
Date of Hire or first payment

MonthDayYear
Date
Occupation Description
Gross Annual Income from this source
Income Source #5
Wage Earner
Income Type
Date of Hire or first payment

MonthDayYear
Date
Occupation Description
Gross Annual Income from this source
Current Living Situation
What best describes your current living situation?
How many bedrooms are in your current home?
Length at current residence
Are you at risk of being displaced?
How would you describe the quality of your living situation?
Do you have standard plumbing, electricity and insulation?
Are you over crowded?
*Current Monthly Mortgage/Rent Cost:
Monthly Utilities (gas, water, electricity, etc)
Do you own (or will you at the time of purchase) another home?
Please describe any special needs or accommodations required by your household. For example, "one-level only" or "at least one ADA-accessible bathroom required."
This will help us determine buyer needs.
Homeownership Goals
Will you be a first-time homebuyer?
If you answered no to the question above, do you currently own another home?
What year did you move to or start working in the Chelan Valley?
Which of the following are barriers to buying a home?

Other
In how many months do you expect to be financially ready to purchase a home?
In which areas of Chelan/Manson are you most interested in purchasing a home?
What is most important to you about the neighborhood in which you purchase a home? Choose your top 3.
How many bedrooms would you like in your new home?
Community Land Trust Commitment

Community Land Trusts require more communication, collaboration, and participation than other renting or ownership models in the traditional market. How are you feeling about CLT Ownership? These answers (this section only) are sometimes anonymously shared in our public outreach in order to further the purpose of CVHT, thank you for your honest input!
What do you and your family like about the possibility of living in a CVHT home?
What are your concerns or reservations about living in a CVHT home?
What is your present understanding of the Community Land Trust model for owning a home?
If you're unsure, visit https://chelanvalleyhousing.org/about/
How did you hear about CVHT?

Required Homeowner Application Fee

Homeowner Application Fee$30.00

(Processed as a donation, but is actually the application fee, we will send a confirmation)

Total $0.00

Credit Card Details
First Name	Last Name
Credit Card Number	Security Code
Card Expiration

To submit the application:

1. Check the box below acknowledging you have attended a CVHT info session online or in person, or watched the suggested intro to CLT video on our website at chelanvalleyhousing.org/own/

2. Check the box below to acknowledge that your answers above are true and correct to your knowledge.

3. Submit and sign electronically by signing and clicking "Submit" below.
Signature
Date of Application:

MonthDayYear
Date
Once submitted, CVHT will contact you with documentation needed to finish your application and next steps. Thank you!!
Please verify that you are human
Should be Empty:

CVHT Homebuyer Application

Applicant

Co-Applicant (If any)

Additional Household Member #1 (If none skip to Financial History)

Additional Household Member #2

Additional Household Member #3

Additional Household Member #4

Additional Household Member #5

Financial History

Assets

Monthly Debts

Employment/Income Source Information

Income Source #1

Income Source #2

Income Source #3

Income Source #4

Income Source #5

Current Living Situation

Homeownership Goals

Community Land Trust Commitment

Required Homeowner Application Fee