Step-By-Step Homeownership

1. Are you Eligible? Review the eligibility criteria.
   
2. Watch a Video to learn more about Community Land Trusts.
3. Download a SCLT Application and talk with SCLT staff.
   
4. Meet with Lender The lender will help determine:
   1. determine whether you qualify for a mortgage;
   2. provide information on financial assistance available;
   3. and provide you with a pre-qualification letter.
      
5. Homebuyer Education Before you Buy: Meet with SCLT Staff. After completing the SCLT application, an interview with staff is held. AHFC HomeChoice™ Certification is achieved through taking the free 6-hour Homebuyer Education Class via webinar or home study. Visit their website.
6. Close the Deal Sign the SCLT Ground Lease and the deed to the home is transferred to you. Congratulations, you are a homeowner!
7. After you Buy: Work with Staff. After you are settled in your home, SCLT staff will be available to help your home purchase succeed over the coming years, until you are ready to sell. When that time comes, we will help you then, too. We'll make sure you have access to classes that will help you succeed.