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.
Important Note: Certain background information is collected solely for the purposes of reporting programs to funders and improving our service to the community. These will NOT be used to determine your eligibility or qualification in any way. However they do assist us in obtaining funding and reporting on our program success.
Applicant

The applicant will be the person signing the note on the home. This person will need to be a U.S. Citizen or Permanent Resident in order to qualify for financing.
Name *

First Name Last Name
Email *
example@example.com
Home or Mobile Phone *
Mailing Address *
City *
State *
Postal Code *
Are you a U.S. Citizen or Permanent Resident?

Yes No
Date of Birth *

Month Day Year
Date
Primary language

English Spanish
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

American Indian or Alaska Native Asian Black or African American Native Hawaiian or Pacific Islander White American Indian AND White Asian AND White Black or African American AND White American Indian AND Black Other multiple race Choose not to respond
Ethnicity

Hispanic Not Hispanic Chose not to respond
Co- App Gender

Male Female Transgender Other
*Do you currently live and/or work or have an offer of employment in the Chelan Valley (Chelan or Manson)? *

Yes No
Please check all that apply:

Developmentally Disabled Living with HIV/AIDS Survivor of Domestic Violence Substance abuser or in recovery Living with chronic mental illness Traumatic brain injury Injured Veteran Frail/Elderly At risk of homelessness Mentally ill, chemically addicted Physically challenged Chose Not to Respond
Education Level

Less than HS Diploma High school diploma or equivalent Some post-secondary education Certification from a vocational or technical training program Associate's Degree Bachelor's Degree Master's or other graduate degree
Employment Status

Self-employed Work full-time for employer Work part-time for employer Homemaker Full-time student Permanently unable to work Unemployed and seeking work
Co-Applicant (If any)

The Co-Applicant is someone who will also sign the note on the home. This person must also be a U.S. Citizen or Permanent Resident to qualify for financing.
Co-Applicant Name

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

Month Day Year
Date
Co-App Email
example@example.com
Co-App Phone
Is the Co-Applicant a U.S. Citizen or Permanent Resident?

Yes No
Co- App Gender

Male Female Transgender Other
Co-App Race

American Indian or Alaska Native Asian Black or African American Native Hawaiian or Pacific Islander White American Indian AND White Asian AND White Black or African American AND White American Indian AND Black Other Multiple Race Choose Not to Respond
Co-App Ethnicity

Hispanic Not Hispanic Chose Not to Respond
Co-Applicant please check all that apply:

Developmentally Disabled Living with HIV/AIDS Survivor of Domestic Violence Substance abuser or in recovery Living with chronic mental illness Traumatic brain injury Injured Veteran Frail/Elderly At risk of homelessness Mentally ill, chemically addicted Physically challenged Choose not to respond
Co-Applicant Education Level

Less than HS Diploma High school diploma or equivalent Some post-secondary education Certification from a vocational or technical training program Associate's Degree Bachelor's Degree Master's or other graduate degree
Co-Applicant Employment Status

Self-Employed Work full-time for employer Work part-time for employer Homemaker Full-time student Permanently unable to work Unemployed and seeking work
Additional Household Member #1 (If none skip to Financial History)
Name

First Name Last Name
Date of Birth

Month Day Year
Date
Gender

Male Female Transgender Other
Race

American Indian or Alaska Native Asian Black or African American Native Hawaiian or Pacific Islander White American Indian AND White Asian AND White Black or African American AND White American Indian AND Black Other multiple race Choose not to respond
Ethnicity

Hispanic Not Hispanic Choose not to respond
Is this person a dependent of the Applicant and/or Co-Applicant?

Yes No
Does this person live in the house more than 50% of the time?

Yes No
Check all that apply

Developmentally Disabled Living with HIV/AIDS Survivor of Domestic Violence Substance abuser or in recovery Living with chronic mental illness Traumatic brain injury Injured Veteran Elderly At risk of homelessness Mentally ill, chemically addicted Physically challenged Choose not to respond
Additional Household Member #2
Name

First Name Last Name
Date of Birth

Month Day Year
Date
Gender

Male Female Transgender Other
Is this person a dependent of the Applicant and/or Co-Applicant?

Yes No
Does this person live in the house more than 50% of the time?

Yes No
Race

American Indian or Alaska Native Asian Black or African American Native Hawaiian or Pacific Islander White American Indian AND White Asian AND White Black or African American AND White American Indian AND Black Other multiple race Choose Not to Respond
Ethnicity

Hispanic Not Hispanic Chose Not to Respond
Please check all that apply:

Developmentally Disabled Living with HIV/AIDS Survivor of Domestic Violence Substance abuser or in recovery Living with chronic mental illness Traumatic brain injury Injured Veteran Frail/Elderly At risk of homelessness Mentally ill, chemically addicted Physically challenged Chose Not to Respond
Additional Household Member #3
Name

First Name Last Name
Date of Birth

Month Day Year
Date
Is this person a dependent of the Applicant and/or Co-Applicant?

Yes No
Does this person live in the house more than 50% of the time?

Yes No
Gender

Male Female Transgender Other
Race

American Indian or Alaska Native Asian Black or African American Native Hawaiian or Pacific Islander White American Indian AND White Asian AND White Black or African American AND White American Indian AND Black Other multiple race Choose Not to Respond
Ethnicity

Hispanic Not Hispanic Chose Not to Respond
Please check all that apply:

Developmentally Disabled Living with HIV/AIDS Survivor of Domestic Violence Substance abuser or in recovery Living with chronic mental illness Traumatic brain injury Injured Veteran Frail/Elderly At risk of homelessness Mentally ill, chemically addicted Physically challenged Chose Not to Respond
Additional Household Member #4
Name

First Name Last Name
Date of Birth

Month Day Year
Date
Is this person a dependent of the Applicant and/or Co-Applicant?

Yes No
Does this person live in the house more than 50% of the time?

Yes No
Gender

Male Female Transgender Other
Race

American Indian or Alaska Native Asian Black or African American Native Hawaiian or Pacific Islander White American Indian AND White Asian AND White Black or African American AND White American Indian AND Black Other multiple race Choose Not to Respond
Ethnicity

Hispanic Not Hispanic Chose Not to Respond
Please check all that apply:

Developmentally Disabled Living with HIV/AIDS Survivor of Domestic Violence Substance abuser or in recovery Living with chronic mental illness Traumatic brain injury Injured Veteran Frail/Elderly At risk of homelessness Mentally ill, chemically addicted Physically challenged Chose Not to Respond
Additional Household Member #5
Name

First Name Last Name
Date of Birth

Month Day Year
Date
Is this person a dependent of the Applicant and/or Co-Applicant?

Yes No
Does this person live in the house more than 50% of the time?

Yes No
Gender

Male Female Transgender Other
Race

American Indian or Alaska Native Asian Black or African American Native Hawaiian or Pacific Islander White American Indian AND White Asian AND White Black or African American AND White American Indian AND Black Other multiple race Choose Not to Respond
Ethnicity

Hispanic Not Hispanic Chose Not to Respond
Please check all that apply:

Developmentally Disabled Living with HIV/AIDS Survivor of Domestic Violence Substance abuser or in recovery Living with chronic mental illness Traumatic brain injury Injured Veteran Elderly At risk of homelessness Mentally ill, chemically addicted Physically challenged Chose Not to Respond
Financial History
How many times have you been late with your bill payments in the last year? *

Never Once 2-3 times 4 or more times
How much do you typically pay on your monthly credit card bill? *

No credit cards The full balance Less than the full balance, more than the minimum required The minimum required Less than the minimum required
If you've been involved in the foreclosure process when was your first notice of foreclosure? *

Does not apply 1 year ago 2-7 years ago Over 7 years ago
If you've declared bankruptcy in the past 7 years, when was your bankruptcy discharge? *

Does not apply 1 year ago 2-7 years ago Over 7 years ago
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 Debt MONTHLY Payment
*Lines of Credit

Name of Debt MONTHLY Payment
*Mortgages

Name of Debt MONTHLY Payment
*Other

Name of Debt MONTHLY 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 *

Applicant Co-Applicant Other Household Member
Income Type *

Full-Time Employment Part-time Employment Self-Employment Spousal Support Child Support Investment Income Pension Social Security SSI/SSDI Other
Date of Hire or first payment

Month Day Year
Date
Occupation Description *
*Gross Annual Income from this source *
In dollars, e.g. 30000
Income Source #2
Wage Earner

Applicant Co-Applicant Other Household Member
Income Type

Full-Time Employment Part-time Employment Self-Employment Spousal Support Child Support Investment Income Pension Social Security SSI/SSDI Other
Date of Hire or first payment

Month Day Year
Date
Occupation Description
Gross Annual Income from this source
Income Source #3
Wage Earner

Applicant Co-Applicant Other Household Member
Income Type

Full-Time Employment Part-time Employment Self-Employment Spousal Support Child Support Investment Income Pension Social Security SSI/SSDI Other
Date of Hire or first payment

Month Day Year
Date
Occupation Description
Gross Annual Income from this source
Income Source #4
Wage Earner

Applicant Co-Applicant Other Household Member
Income Type

Full-Time Employment Part-time Employment Self-Employment Spousal Support Child Support Investment Income Pension Social Security SSI/SSDI Other
Date of Hire or first payment

Month Day Year
Date
Occupation Description
Gross Annual Income from this source
Income Source #5
Wage Earner

Applicant Co-Applicant Other Household Member
Income Type

Full-Time Employment Part-time Employment Self-Employment Spousal Support Child Support Investment Income Pension Social Security SSI/SSDI Other
Date of Hire or first payment

Month Day Year
Date
Occupation Description
Gross Annual Income from this source
Current Living Situation
What best describes your current living situation? *

Rent Own Live with Parents / Relatives / Friends Lease Purchase Work Housing Other
How many bedrooms are in your current home? *

Studio 1 2 3 4 5 6
Length at current residence
Are you at risk of being displaced?

Yes No
How would you describe the quality of your living situation?

Very Good Adequate Poor
Do you have standard plumbing, electricity and insulation?

Yes No
Are you over crowded?

Yes No
*Current Monthly Mortgage/Rent Cost: *
Monthly Utilities (gas, water, electricity, etc)
Do you own (or will you at the time of purchase) another home?

Yes No
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? *

Yes No
What year did you move to or start working in the Chelan Valley?
Which of the following are barriers to buying a home?

Residency Insufficient income Over income Too many assets Poor credit history Insufficient savings for down payment Debt Lack of references Pending divorce Pets Own existing home
In how many months do you expect to be financially ready to purchase a home?

Less than 1 month 2-4 months 5-7 months 7-9 months 10 or more months
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.

Schools Safety/crime Proximity to work/school Proximity to amenities Proximity to family/friends Strong housing market Part of the shared equity program
How many bedrooms would you like in your new home?

Studio 1 2 3 4 5
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?
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.
*

I have attended a CVHT Info Session and/or watched a suggested video on CLTs
*

Answers submitted in this application are true to my best knowledge.
Signature *

Clear
Date of Application: *

Month Day Year
Date
Once submitted, CVHT will contact you with documentation needed to finish your application and next steps. Thank you!!
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