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Homeownership

Community Trust Land Model

The Land Trust Model is one of the most efficient ways to provide affordable homeownership for generations. CCHC sells the property while maintaining ownership of the land. This reduces the cost to the buyer and since the CCHC owns the land, we guarantee that any future buyers are low-to-moderate-income families.

For more information contact us at (401)-846-5114

Homebuyer Training

CCHC offers homebuyer training classes to help first-time homebuyers navigate the homebuying process. CCHC's Community Land Trust homes are exclusively available to graduates of this course. All classes take place online using Zoom.

General Outline of Class Schedule and Topics

Affordability, Budgeting, and Saving

  • ​Assessing Affordability: Costs of Ownership & Renting vs. Owning

  • Budgeting and Saving: How we Spend Money & Ways to Save

Credit Reports, Scores, and Consumer Rights

  • Credit and Its Impact

  • Types of Credit, Credit Reporting Bureaus & Credit Reports

  • Credit Scores: What’s a “Good” Score & What Goes Into a Credit Score

Qualifying for a Mortgage, Financing & Finding the Right Home

  • Finding the Right Home

  • Mortgage Terminology, Important Ratios & What Banks Want from Applicants

  • Where to Look for a Home

  • Homeowner’s Insurance

The Closing

  • What to Expect at the Closing

  • Important Closing Documents

Community Land Trust and the Ground Lease

  • Land Trusts – A Way to Make Homeownership Affordable

  • The Land Trust Ground Lease Explained

Please Note

  • Sorry, no children – babysitting services are not available. Please make plans for child care.

  • During the course, participants are required to make one-on-one appointments with the Homebuyer Trainer to create a household budget and review credit reports and scores.

  • Contact Aubrey Collins at 846-5114, ext. 111 with any questions & to register for the class.

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