The Community Home Trust Home Buying Process

  • Review the program qualifications and complete the Readiness Questionnaire:

      1. If you meet program requirements you will receive a request to confirm or provide additional information.
      2. If you do not meet the program requirements a member of our staff will contact you to provide an explanation.

  • Watch the CHT information session video and complete the quiz. Prepare for homeownership by saving, working on credit, and attending financial counseling with a community partner.

  • Receive available home listings that fit your profile and respond if interested. If interested, you will be sent an invitation to the CHT homebuyer portal.

  • Complete the portal request to match to a home and submit all required documents; which may include a verification of employment form, three months of paystubs, three months of bank statements for all accounts, your most recent W2, and three years of tax returns.

  • If selected, schedule a readiness call with CHT staff.

  • Connect with CHT’s Sales team to:

      1. Register for and complete homebuyer education.
      2. Get pre-qualified by a CHT approved lender.
      3. Attend financial counseling (if not already completed within the last 6 months).

  • Attend a showing of the home with CHT staff.

  • Sign a contract to purchase your new home!

Please review the program qualifications carefully. If you meet all the requirements, start your home buying journey by completing the Readiness Questionnaire below.

If you have questions, please view our Frequently Asked Questions or contact Rachel Cone at rcone@communityhometrust.org or 919.967.1545 x302.


Key Terms

Closing costs: Extra money you pay when buying or selling a house. This could include fees for loans, house inspections, or taxes.

First time homebuyer: Someone who hasn’t owned a home in the last 3 years or meets special rules (as outlined by HUD) to be called a first-time buyer.

Gift: Money given to you as a present. You can use up to $10,000 in gift funds for buying a house. If you need more, you need to ask for it in writing.

Household members: People who live in the same house together.

Household size: The total number of people living in a house for at least half the time.

Student: A person who works less than 32 hours a week and goes to school, like grade school or college.

Iniciar el Proceso de Compra de Vivienda

Cuestionario de Preparación