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Oakland Community Land Trust

Homeownership Application
It is recommended that you complete this form through a web browser on a computer rather than a phone or tablet. 

Prepare


In order to complete this application form, you will need to compile and submit information on the members of your household, including names, employment situations, income, assets, and debts, and more.  Click here to download a PDF version of the application so you can see all the questions. We strongly suggest that you familiarize yourself with the eligibility requirements and homebuyer selection criteria for OakCLT homeownership before completing this application. 

Save


As you enter your application information on the following pages, you will have the option to click the “Save my progress and resume later” button at the top of any page. You will be prompted to submit an email address and password; afterwards you will receive an email with a link that can be used to return to your application. When you return to complete the application, you will need to login with the email and password you previously provided.


Submit


All required application fields must be filled in. If any required fields are left blank, you will receive an error notification when you attempt to submit the completed application. Missing fields will be highlighted in red. Remember that you need to upload your certificate of completion of an 8-hour HUD-Certified Homebuyer Education course, as well as a copy of your pre-approval letter from an OakCLT-approved lender. Applications will not be reviewed until after the posted submission deadline. Thank you!

HUD Fair Housing Logo


The Oakland Community Land Trust is an equal opportunity housing provider.






  1. Applicant Information
  2. Household Information
  3. Economic Profile
  4. Current Living Situation
  5. Homeownership Goals






Please provide details for the Primary Applicant below. The Primary Applicant will be the main contact for the Oakland Community Land Trust. It is not required that the Primary Applicant be the most significant contributor to the household income. If there is a Co-Applicant (another household member that will be a co-borrower or co-owner), please include their details by checking the Co-Applicant box at the bottom of this page. Additional fields will appear for the Co-Applicant.

Primary Applicant




 




 







NOTE: Demographic information is not reviewed in the eligibility screening or approval process, but provides helpful information to OakCLT in improving our outreach for our affordable housing opportunities. OakCLT is an equal opportunity housing provider.









Co-Applicant


 




 
                                                                                                                                                
 






 






  1. Applicant Information
  2. Household Information
  3. Economic Profile
  4. Current Living Situation
  5. Homeownership Goals






Please provide information on any other members of your household, such as children, grandparents, or other adults in the household who will reside with you in this housing opportunity. This information helps calculate your household size. Demographic information is not reviewed in the approval process but provides helpful information to OakCLT in improving our outreach for our affordable housing opportunities.

Additional Household Member #1







 




Additional Household Member #2







 




Additional Household Member #3







 




Additional Household Member #4







 




Additional Household Member #5







 



*If you still have additional household members please notify the organization in your next meeting.






  1. Applicant Information
  2. Household Information
  3. Economic Profile
  4. Current Living Situation
  5. Homeownership Goals






The information you provide on this page will be used to determine your financial eligibility for homeownership opportunities with the Oakland Community Land Trust. Please be as accurate as possible, as this information will need to be verified with the most recent 3 years of tax returns, previous year W2 forms, and 3 most recent paystubs, for each household member over the age of 18.








 

Please list the current value of ALL household Assets (this includes all Asset accounts for ALL household members, not just the Primary Applicant). Please enter numbers without dollar signs. If zero, enter “0”.

Please list ALL household Debts (this includes Debts for ALL household members, not just the Primary Applicant). Please enter both the total amount in each category and the current monthly payment. Please enter numbers without dollar signs. If zero, enter “0”.











Homeownership Downpayment & Closing Costs


Please enter the number without a dollar sign.

Please provide information on all income sources you currently receive. Sources of income include earned income from employment, public benefits, social security, retirement/pension, child support, investments, and more. Please make sure to add all income sources that apply to your situation.
Applicant Primary Income Source






Additional Applicant Employment / Income #2 






Additional Applicant Employment / Income #3 





 

Supply each income source the Co-Applicant receives. Sources of income include earned income from employment as well as benefits, social security and child support.

Co-Applicant Employment / Income 






Additional Co-Applicant Employment / Income #2 






Additional Co-Applicant Employment / Income #3 





 

Supply each income source other household members receive. Sources of income include earned income from employment as well as benefits, social security, disability and child support.

Other Household Member Employment / Income 






Other Household Member Employment / Income #2 






Other Household Member Employment / Income #3 











  1. Applicant Information
  2. Household Information
  3. Economic Profile
  4. Current Living Situation
  5. Homeownership Goals






The information you provide on this page will help us better understand your current housing situation and future housing needs. Just one more page to go!



Please enter the number without a dollar sign.

Please enter the number without a dollar sign.


NOTE: Please carefully read each question below. Refer to the Homebuyer Selection Criteria if you have any questions or are looking for additional information. 

This category includes current OakCLT homeowners, residential renters, subtenants of an OakCLT nonprofit lessee partner organization (transitional housing provider), or employees and/or worker-owners for an OakCLT commercial tenant.

To select multiple answers, hold the CTRL key (PC) or Command key (Mac) as you click.

Applicants displaced due to a “no fault” eviction shall provide the leasing agent with a copy of an eviction notice providing 30 days or longer notice to vacate the unit. The eviction notice must: 1. Be dated within eight years of the date of application; 2. Name at least one of the household members applying for housing; 3. Not state cause for the eviction, or state the cause for eviction as: a.) Owner move-in, b.) Owner repairs, or c.) Owner removal of the unit from the rental market. In lieu of the eviction notice, the applicant may provide a copy of a court order or judgment in an unlawful detainer proceeding or other official records documenting the eviction as long as it includes the required information listed above. Applicants who were evicted due to cause, such as nonpayment of rent or breach of the rental agreement, shall not be eligible for this preference.


To be eligible for this category, you must have been displaced as a result of expired/expiring affordability restrictions, evidenced by a notice of termination of a subsidy contract, the documentation of expiring rental restrictions, or documentation showing prepayment on an assisted housing development. A copy of lease, address of property and dates of occupancy will also be required.


Displacement due to code enforcement activities includes situations in which a tenant vacates a unit in response to a notice to vacate, notice to abate a life-threatening condition, or declaration of substandard condition issued by the City or a court. Evidence of either of these includes documentation from the City verifying former residency and displacement as a result of City public projects, or by City code enforcement activities.

To qualify as an applicant who is eligible for the Section 8 Homeownership Program, the applicant household must currently hold a Section 8 Housing Choice Voucher from the Oakland Housing Authority (OHA), meet all applicable Section 8 Homeownership Program requirements, and use their voucher to purchase the home for which they are applying.

Work is defined for purposes of this policy as owning or operating a business located within the City of Oakland, employment for wages or salary for an employer located within the City of Oakland, contract employment where the actual work is conducted within the City of Oakland, or commission work where the applicant’s principal location from which they work is located within the City of Oakland. Even if the work causes the applicant to be in Oakland frequently, the applicant does not qualify as an Oakland worker if the business is not located in Oakland. An adult applicant who is an active participant in an education or job training program located within the City of Oakland is also eligible for the Oakland worker preference.

To be eligible for this category, applicant’s household must include at least one adult member whose principal place of residence is within the City of Oakland as of the date of this submitted application.

A “Previous Applicant” means a household with at least one adult member who has submitted a complete application meeting baseline eligibility for OakCLT homeownership opportunities. Applicants who submitted a full application for a home that they did not qualify for (i.e. they did not meet minimum household size requirements, were over-income, or did not qualify for a mortgage) are ineligible for points in this category.







  1. Applicant Information
  2. Household Information
  3. Economic Profile
  4. Current Living Situation
  5. Homeownership Goals






Please provide information about your desired living situation. This information will allow us to help you find the right home for you and your family.


To select multiple answers, hold the CTRL key (PC) or Command key (Mac) as you click.



That’s it...you did it!


When you click Submit below, it may take a few moments to process. Please only press the Submit button once. We’ll double check to make sure you have entered information into all the necessary fields. If you've missed anything, you may need to use the Previous Page and Next Page buttons to navigate back to the field missing info. When you've filled out any of the missing pieces, submit again.

OakCLT will review all submitted applications within seven days after the application deadline for the current housing opportunity. Applicants meeting the baseline eligibility with the highest score based on the selection criteria will be invited to submit supporting documentation to verify the information provided regarding their household incomes, assets, and selection criteria characteristics. If that information is verified, the top scoring applicant will be invited to submit a purchase contract. We will send you a letter summarizing your eligibility when when the application review is complete.

Thank you for taking the time to complete an OakCLT homeownership application!

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