MCHT

Self-Help Housing Program

Pre-Application 

Important Information Please Read
Please read and complete all sections of the Pre-Application to be considered complete. Please review the income chart below before beginning to ensure you qualify under the income limits.

Maximum Income Allowed - Wasatch County 2025
Household Size                        Maximum Gross Income
           1                                       $65,950 - $104,200
           2                                       $65,950 - $104,200
           3                                       $65,950 - $104,200
           4                                       $65,950 - $104,200
           5                                       $87,100 - $137,550
           6                                       $87,100 - $137,550 
           7                                       $87,100 - $137,550
           8                                       $87,100 - $137,550

Please review Indicators of Unacceptable Credit at the end of this application. This page is a list of credit eligibility requirements. If these items are found on your credit report, you are not currently eligible, but you are still encouraged to submit the Pre-Application. Mountainlands Community Housing Trust (MCHT) can assist you in correcting these credit issues so that you may become eligible for an USDA Section 502 Loan. Of note, an applicant with an outstanding judgment obtained by the United States in a federal court, other than the United States Tax Court, is not eligible for a Rural Development  loan or grant.

When you are done, please proceed to the final page to Submit Pre-Application.

Before you start be sure to have all the required documentation in an electronic pdf format, ready for easy uploading. If your documents are too large, you will encounter an error message when you try to submit the application. It is up to you to provide the required documents pertaining to your situation. 

  • Copy of Driver's License or Utah State ID card (front and back) from all adult applicants who will be part of the household.  
  • Social Security cards (front) from all adult applicants who will be part of the household.
  • Permanent Resident Alien cards (front), if applicable.
  • Paystubs from all household members earning income. Include all income sources in the past 2 months. This means if you get paid once a month you would provide 2 check stubs, if you're paid every two weeks you would provide 4 check stubs. Each paystub must include employee and employer information, pay period dates, itemized gross earnings, deductions, and a summary including the year to date information.
  • Two years of Federal Income tax returns (all pages) and W-2s for each wage earner.
  • Official documentation supporting any other income (e.g., divorce settlement papers, child support, food stamps, unemployment statements, Social Security benefits, deferred school loans documentation, etc.).
  • 2 months of statements from all financial institutions (e.g., bank statements, investment account, 401K, etc.).
  • Signed Authorization to Release Information form.
Should you realize you need additional documentation after you start the application, you can click the "save my progress and resume later" link at the top or bottom of any page. You'll be prompted to submit an email and password. Afterwards you'll receive an email with a link that can be used later to open the application and continue working. When you return to complete the form, you will need to provide the same email and password. 

If your internet connection is inconsistent, please save your progress as you go. All required fields must be filled. Any left blank will be highlighted in red when you attempt to submit.

When you are done, please proceed to the final page to Submit Pre-Application.

Primary Applicant

Provide details for the Primary Applicant below. The Primary Applicant will be the main contact for Mountainlands follow-up inquiries. It is required that the Primary Applicant be the most significant contributor to the family income. If there is a Co-Applicant, please include their details as well.



















Current Property Ownership

 

Page 3

Co-Applicant



















Other Household Members

Please provide information on any other members of your household, such as children, grandparents, or other adults in the household who are residents. A household is defined as all related and unrelated individuals occupying a unit as their primary residence.

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.

Page 4

Household Income

 
For each household member 18 years of age and older (including contributing family members temporarily absent), create enough Income Sources to truly represent the household's annual income. This includes any unemployment disbursements.
Primary Applicant Employment / Income Source Information
















Additional Primary Applicant Employment / Income #2 










Additional Primary 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 







Asset Certification

Include on this form all assets owned by all household members.  Please attach statements covering the last two months for all assets listed such as bank statements, investment account, etc.
Assets
Please list the current combined value of all household Assets. Please enter numbers without dollar signs. If zero, enter "0".













Additional Information and Document Uploading

An application is not considered complete unless the following documents are included (tax return(s), drivers license(s), proof of income and verification of employment within the County. In addition, there is a space to upload any additional documentation that you believe is helpful or necessary to support the application. 
Upload Required Documents










Authorization and Signatures

Acknowledging authorization

To submit this application, all household members over the age of 18 must sign (type) their names below. By clicking the ‘submit’ button at the end of this Pre-Application and submitting this Pre-Application, each person signing acknowledges and agrees to the following:

 

Authorization

Each signer hereby authorizes Mountainlands Community Housing Trust (Mountainlands) and Rural Development/USDA to make such investigation(s) into the signer's financial history as Mountainlands deems appropriate to evaluate this application. Such investigation typically includes (but is not limited to) verification of employment, income and assets.


Each signer hereby acknowledges that the information provided has not been falsified and is an accurate representation of their situation.











On the following pages, please complete either the Authorization to Release Information. Then proceed to the final page in the document to submit your Pre-Application.

When you click submit at the end of the entire document it may take a few moments. Please only hit the Submit button once. We’ll double check to make sure you have submitted 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.

Upon receipt of your Pre-Application, the provided information will be reviewed by Mountainlands staff. If additional information is required, you will be contacted. If everything is completed properly and your household is pre-qualified for the Mutual Self-Help 502 Loan, you will then complete Rural Development's 502 Home Loan Application.

Thank you for taking the time to complete this Pre-Application!

Authorization to Release Information