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Online Application

Thank you for your interest in the Community Home Trust Home Ownership program. We sell quality affordable homes in desirable neighborhoods and keep them permanently affordable.

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Applicant Contact Information
Primary Applicant*
Prefix First M.I Last
Address*
Street Address Address Line 2 City State ZIP Code
County*
Home Phone*
Primary Work Phone
Primary Cell Phone
Would you like to receive communication via text message?
Data charges may apply.
Primary Email
Do you have a co-applicant?
Co-Applicant*
Prefix First M.I Last
Secondary Cell Phone
Secondary Work Phone
Secondary Email
Is either applicant an employee of the Town of Chapel Hill?
Are you interested in applying for the Town's employee homebuyer or rental assistance program?
What type of assistance are you applying for?

Primary Applicant Information
Primary Applicant Birthdate*
Date Format: MM slash DD slash YYYY
Applicant Gender*
Applicant Race*
This information is requested by the Federal Government for certain types of housing loan applications, in order to monitory compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information but are encouraged to do so. It will not affect your eligibility to participate in homeownership.
Applicant Ethnicity*
Applicant Residency Status
Residency status does not affect your eligibility for our program, however it may affect your ability to get a loan to purchase a home.
Applicant Educational Attainment*
Applicant Employment Status*
Applicant Student Status*
Applicant's Graduation Date
Date Format: MM slash DD slash YYYY
Does the applicant have special needs that require accommodation?
Please Describe.
Co - Applicant Information
Co-Applicant's Birthdate*
Date Format: MM slash DD slash YYYY
Co - Applicant Gender*
Co - Applicant Race*
This information is requested by the Federal Government for certain types of housing loan applications, in order to monitory compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information but are encouraged to do so. It will not affect your eligibility to participate in homeownership.
Co - Applicant Ethnicity
Co - Applicant Residency Status*
Residency status does not affect your eligibility for our program, however it may affect your ability to get a loan to purchase a home.
Co - Applicant Educational Attainment*
Co - Applicant Employment Status*
Co - Applicant Student Status*
Co - Applicant Graduation Date
Date Format: MM slash DD slash YYYY
Does the co-applicant have special needs that require accommodation?
Please Describe.
Dependent Information
Number of Dependent Children*
Please include all children that live in the home at least 50% of the time. Children temporarily away for undergraduate studies are included as dependent children. If you have more than 4 children, please contact our office directly to add more dependents to your application.
Dependent #1
(1) Full Name
(1) Birthdate
Date Format: MM slash DD slash YYYY
(1) Age in Years
(1) Gender
(1) Race
(1) Ethnicity
(1) Employment Status
(1) Is your child enrolled in an undergraduate program?
(1) Does your child live with your full time or part time?
(1) Does your child require special needs assistance?
Assistance must be documented by the public school system or government agency.
Dependent #2
(2) Full Name
(2) Birthdate
Date Format: MM slash DD slash YYYY
(2) Age in Years
(2) Gender
(2) Race
(2) Ethnicity
(2) Employment Status
(2) Is your child enrolled in an undergraduate program?
(2) Does your child live with your full time or part time?
(2) Does your child require special needs assistance?
Assistance must be documented by the public school system or government agency.
Dependent #3
(3) Full Name
(3) Birthdate
Date Format: MM slash DD slash YYYY
(3) Age in Years
(3) Gender
(3) Race
(3) Ethnicity
(3) Employment Status
(3) Is your child enrolled in an undergraduate program?
(3) Does your child live with your full time or part time?
(3) Does your child require special needs assistance?
Assistance must be documented by the public school system or government agency.
Dependent #4
(4) Full Name
(4) Birthdate
Date Format: MM slash DD slash YYYY
(4) Age in Years
(4) Gender
(4) Race
(4) Ethnicity
(4) Employment Status
(4) Is your child enrolled in an undergraduate program?
(4) Does your child live with your full time or part time?
(4) Does your child require special needs assistance?
Assistance must be documented by the public school system or government agency.

Household Information
Marital Status*
How long have you been separated?
What is your household type?*
Do you anticipate any changes in your household size and/or income in the next 12 months?
If yes, please explain your expected household changes.
Are you at risk of being displaced from your current home?
Is anyone living in your household a veteran or active military?
Have you owned a home in the last 3 years?*
If so, how long ago did you sell your home (in years)?
Has either applicant lived or worked in Orange County for at least one year?*
If not, how many months?
What is your current living situation?
Are you in a month-to-month lease?
When does your lease terminate?
Date Format: MM slash DD slash YYYY
What are your current monthly housing costs?
Include rent, mortgage payment, taxes, insurance, etc. DO NOT include utilities unless they are included in your monthly rent.
Is the applicant or co-applicant Limited English Proficient?
What is the primary language spoken in your household?

Primary Applicant Income Information
Community Home Trust verifies all income and assets. Please answer the following questions to the best of your knowledge.
What is the applicant's occupation?*
Does the applicant receive income?*
Income Source #1
(1) What type of income does the applicant receive?*
(1) What is the name of the applicant's current employer?*
(1) What city is the applicant's employer located?
(1) When did the applicant begin employment?*
Date Format: MM slash DD slash YYYY
(1) How many hours does the applicant work per week (on average)?*
(1) What is the applicant's gross annual income received?*
Gross annual income includes all income (including bonuses and overtime) received in one year BEFORE taxes and deductions.
Does the applicant have another source of income?
If you have a co-applicant, this information will be entered in the next step.
Income source #2
(2) What type of income does the applicant receive?*
(2) What is the name of the applicant's current employer?*
(2) What city is the applicant's employer located?
(2) When did the applicant begin employment?*
Date Format: MM slash DD slash YYYY
(2) How many hours does the applicant work per week (on average)?*
(2) What is the applicant's gross annual income received?*
Gross annual income includes all income (including bonuses and overtime) received in one year BEFORE taxes and deductions.
Co-Applicant Income Information
Community Home Trust verifies all income and assets. Please answer the following questions to the best of your knowledge.
What is the co-applicant's occupation?*
Does the co-applicant receive income?*
Income Source #1
(1) What type of income does the co-applicant receive?*
(1) What is the name of the co-applicant's current employer?*
(1) What city is the co-applicant's employer located?
(1) When did the co-applicant begin employment?*
Date Format: MM slash DD slash YYYY
(1) How many hours does the co-applicant work per week (on average)?*
(1) What is the co-applicant's gross annual income received?*
Gross annual income includes all income (including bonuses and overtime) received in one year BEFORE taxes and deductions.
Does the co-applicant have another source of income?
Income Source #2
(2) What type of income does the co-applicant receive?*
(2) What is the name of the co-applicant's current employer?*
(2) What city is the co-applicant's employer located?*
(2) When did the co-applicant begin employment?*
Date Format: MM slash DD slash YYYY
(2) How many hours does the co-applicant work per week (on average)?*
(2) What is the co-applicant's gross annual income received?*
Gross annual income includes all income (including bonuses and overtime) received in one year BEFORE taxes and deductions.

Asset Information
Please combine all balances for both the applicant and co-applicant.
Please check all assets that apply.*
- Checking
- Savings
- Investments (CDs, stocks, bonds, etc.)
- Retirement
Combined Checking Account Balance
Combined Savings Account Balance
Combined CD, Mutual Funds, and other Investment Accounts
Combined Retirement Balance
Amount available for down payment and closing costs*
Are you expecting a gift for a down payment or closing costs?
How much?

Credit Information
Primary Applicant Credit Score*
An estimated credit score can be retrieved at www.creditkarma.com
Co-Applicant Credit Score*
An estimated credit score can be retrieved at www.creditkarma.com
Have you made any late payments in the past 12 months?*
Have you ever filed bankruptcy?*
Discharge Date
Date Format: MM slash DD slash YYYY
Do you or your co-applicant have any debt?*
Debt #1
(1) Please describe the type of debt.
(1) Payee Name
(1) Monthly payment
(1) Balance Due
- Please check here to list additional debt
Debt #2
(2) Please describe the type of debt.
(2) Payee Name
(2) Monthly payment
(2) Balance Due
- Please check here to list additional debt
Debt #3
(3) Please describe the type of debt.
(3) Payee Name
(3) Monthly payment
(3) Balance Due
- Please check here if you have additional debt to enter.
Please combine all additional debts
Combined balance due
Combined monthly payments

How soon would you like to purchase a home?
What is your primary reason for purchasing?
Are you currently working with a Realtor?*
Community Home Trust is a licensed real estate firm and a realtor is not required. In order to keep our homes affordable, CHT will pay a small referral fee, however, we do not pay commissions. Any compensation required in a signed buyer's agency agreement is the responsibility of the buyer.
Realtor Name
Realtor Phone Number
How did you hear about the Home Trust?
Additional Notes
Please include any clarification statements, or additional information you would like to submit with your application. This includes explanations regarding displacement or credit issues.

Working with Realtors
Disclaimer
Because you are looking into purchasing a home through Community Home Trust (CHT), We are required to discuss the Working With Real Estate Agents Brochure with you (explanation below). This is not a contract, but only a disclosure. There are different ways an agent can represent a buyer or seller. There is a ‘Seller’s Agent’ that represents the seller only. They are looking out for the best interests of the seller. There is a ‘Buyer’s Agent’ that represents the buyer only. They are looking out for the best interests of the buyer. There is ‘Dual Agency’ that represents both the buyer and the seller. The agent must treat both buyers and sellers equally and fairly. Both parties can prohibit dual agents from divulging certain confidential information to the other party. The agent’s loyalty is shared between the buyer and the seller. CHT does not represent the buyer or the seller. We legally represent ourselves in each transaction. This allows us to act as a neutral party, by providing the same level of service to both the buyer and the seller. We do not share confidential information about either party, and we do not share loyalty. We do share our expertise and experience with both the buyer and the seller. We do not charge any fees for this service.
Please copy and paste the link below into your web browser to view the brochure.
WWRA Signature*
By typing your name below, you certify that you have read the Working With Real Estate Agents Brochure.

Authorizations and Certifications
Required Documentation
In order to process your application, we need 3 months of bank statements and 3 months of paystubs. We cannot review your application until this information is received. You can email it to ymastromihalis@communityhometrust.org OR bring it to our office M-F between 8:30 a.m - 5:30 p.m. Additional documentation will be required prior to purchasing a home.
Required Documentation
In order to process your application, we need 3 months of bank statements and 3 months of paystubs. We cannot review your application until this information is received. You can email it to dcarson@communityhometrust.org OR bring it to our office M-F between 8:30 a.m - 5:30 p.m. Additional documentation will be required prior to purchasing a home.
Authorizations*
You must agree to ALL of the following before submitting your application.
- I/We authorize representatives from CHT to provide and request information to lenders, government agencies, attorneys, counselors, and employers as necessary to facilitate my home purchase transaction.
- I/We authorize CHT representatives to contact me via email and telephone as provided on this application
- I/We understand that completion of this application does not guarantee my/our eligibility for the program and/or that I/we will successfully purchase a home through Community Home Trust. I understand that my ability to purchase is contingent upon verification of eligibility, eligibility of funds, and upon my completion of all CHT requirements.
Authorizations*
You must agree to ALL of the following before submitting your application.
- I/We authorize CHT representatives to contact me via email and telephone as provided on this application
- I/We understand that completion of this application does not guarantee my/our eligibility for the program.
- I/We understand that if an employee leaves employment with the Town within 5 years, they will repay the down payment or closing cost assistance at a rate of 20% for each year under 5 years they work.
Authorizations*
You must agree to ALL of the following before submitting your application.
- I/We authorize CHT representatives to contact me via email and telephone as provided on this application
- I/We understand that completion of this application does not guarantee my/our eligibility for the program.
- I/We understand that if an employee leaves employment with the Town or moves outside of Town limits within 1 year of the time assistance is received, the total assistance provided shall be repaid.
By clicking 'submit' all applicants agree that the information contained and submitted in support of this application is true and complete to the best of my/our knowledge. Any misrepresentation may result in forfeiture of our/my right to purchase in any Community Home Trust program.

CONTACT INFO

P.O. Box 2315
Chapel Hill, NC 27515
919-967-1545

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Community Home Trust is a nonprofit organization that strengthens our community with permanently affordable housing opportunities.

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