Eligibility & Selection Process

Renters

Many of the Community Land Trust Properties have received various types of funding, which place certain restrictions on the property that NCLT is required to pass on through eligibility requirements.
Rental property applicants will be rated on the following criteria to determine their eligibility for the program and their ranking relative to other applicants in the eligible rental pool. If an applicant is deemed ineligible, they will be notified why, and will be given information on any other housing programs for which they may be eligible.

1. Household Income

Household income must be no greater than the maximum allowable under applicable regulatory agreements for the available home. Income will be verified through documentation provided to NCLT.
The Maximum Allowable Income is determined annually by the Department of Housing & Urban Development (HUD). The chart below is an example of the maximum income by household size.

Family Size 1 2 3 4 5
Maximum

Income-60%AMI

$40,980 $46,800 $52,680 $58,500 $63,180

* 60% Area Median Income (AMI) table pursuant to 2016 HUD Standards for Alameda County

2. Household Size

The size of the applicant household must be appropriate for the number of bedrooms in the home that the applicant is applying for. (i.e. a 3 or 4 person household will have higher ranking than a 1 or 2 person household for a 3 bedroom unit).

3. Credit History

Applicant must have a good credit history or be working on cleaning up their credit record. Free credit counseling assistance is available. The NCLT is interested in people who prioritize their housing payments, and thus are less likely to jeopardize the financial health of the property.

4. Rental History

Applicant must provide verifiable references from present and prior landlords indicating a good rental history including timely rental payments and good maintenance of the home or apartment.

5. Affordability Analysis and Loan Qualification

The applicant’s current income and expenses, credit history, current debt, and current savings will be evaluated to determine ability to afford the new housing cost and down payment and other purchase costs. Program requirements may be different than lender requirements.

6. Community Land Trust Home Ownership

The applicant must understand and agree to the restrictions and responsibilities of Community Land Trust ownership. The applicant must sign a Letter of Acknowledgement, which states that the applicant understands and agrees with the program restrictions. An interview that reviews the applicant’s understanding of the CLT program and its responsibilities may also be conducted.

7. Priority Target Groups

Some CLT homes may be targeted to serve people with special needs or may give preference to certain groups as required by City subsidy funding requirements.

Fair Housing

The Northern California Land Trust (NCLT) is an equal opportunity housing provider. NCLT complies with the provisions of federal, state and local law prohibiting discrimination in housing on the basis of marital status, race, color, religion, ancestry, gender, sexual orientation, age, national origin, Acquired Immune Deficiency Syndrome (AIDS) or AIDS-related condition, physical handicap or other protected class.
* Note regarding methodology used to calculate maximum income limit:
For many of the CLT Homes, the maximum income at time of purchase is 80% of the Area Median Income (for the City of Berkeley the method is determined and published annually using the methodology in City of Berkeley Resolution 61,497.)