Are you interested in becoming a community land trust homeowner? Why not get started today!

Steps to Apply: 

  • Fill out the online KCCLT application here!

  • Contact one of KCCLT’s lenders to learn more about qualifying!

  1. Maria Porta, Capitol Federal - mporta@capfed.com - 913-652-2364 

  2. Porsha Card, Commerce Bank -  porsha.card@commercebank.com - 816-234-7111

  3. Mitch Gaylord, Holy Rosary Credit Union - mitch.gaylord@holyrosarycu.org

Once you are working with one of our lenders, KCCLT and your lender can help determine if you and your level of income are eligible to become a CLT homeowner.

Basic overview of qualifications:

  • Applicant is a first-time home buyer with limited funds for down payment

  • Applicant meets income requirements to qualify for a mortgage 

  • Applicant has job and credit history to qualify for a mortgage

  • Applicant’s income does not exceed the maximum median income per household size, typically 80%, as defined by the US Department of Housing and Urban Development (see below)

  • Other home-specific qualifications depending on the funding source

Next Steps:

Once the interested applicant receives a letter of pre-approval from our lender, buyers are chosen on a first come, first serve basis from our waiting list and the final decision is made by our Board of Directors.

  • If/when selected to purchase one of our homes, KCCLT requires that the applicant be willing to complete a home buyer education class and CLT orientation. 

  • After that, the applicant will need to sign a purchase and sale agreement with KCCLT as well as the ground lease. 

  • The final steps are for the applicant to complete the mortgage application and approval process with the lender and hire an attorney to perform an independent legal review of the documents on the applicant’s behalf. 

And there you have it! You can fill out our online application here, and get in touch with one of the following approved lenders to start the pre-approval process. 

  1. Maria Porta, Capitol Federal - mporta@capfed.com - 913-652-2364 

  2. Porsha Card, Commerce Bank -  porsha.card@commercebank.com - 816-234-7111

  3. Mitch Gaylord, Holy Rosary Credit Union - mitch.gaylord@holyrosarycu.org

    For a more detailed overview of income requirements and the legal process of becoming a CLT homeowner, click here.