Homebuyer Resources
*NOTE: KCLT does not have any currently available properties for home buyers or renters
BUT
NOW is the time to PREPARE FOR HOMEOWNERSHIP and
GET ON THE LIST
TAKING THESE STEPS ALSO PREPARES YOU FOR OTHER OWNERSHIP OPPORTUNITIES SUCH AS SELF-HELP OR MARKET HOMES
Step 1
Understand how Kohala Community Land Trust Keeps Housing Affordable for Future Generations and Become a Member
Pathway 1: You own the home, KCLT owns the land.
Pathway 2: You own the home and the land, but accept a Kamaʻāina Housing Easement* - a deed restriction that limits the price you can sell for in the future. This is how you pay forward the communityʻs investment in your homeownership.
*Kamaʻāina Housing Easement: click HERE to learn more and see examples.
Step 2
Confirm Your Eligibility for KCLT Housing
KCLT is a non-profit organization and our Bylaws require that we serve residents who are:
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Low and moderate-income*
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Of North Kohala
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Most in need
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Keeping shelter burden at or below 30% of income
*"Low and moderate-income” is defined using Hawaiʻi County published tables.
If you believe you meet the Threshold Criteria, please fill out the Interested Buyer form to begin the process of financial qualification
Coming Soon
Step 3
Demonstrate Financial Readiness for Homeowners
Option 1
Complete:
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(a) Homebuyer Education Workshop
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(b) Financial Education Workshop
And provide evidence of a Certificate of Completion from our partner Hawaiian Community Assets.
Option 2
Provide a Pre-Approval Letter (with verification of income and assets) from a Hawai'i based lender familiar with leasehold property mortages.
Recommended Lender List:
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Coming Soon
Need to speak with a human?
Renter Resources
Are you a renter in North Kohala looking for affordable housing assistance?
Section 8 - County Office of Housing and Community Development
Interested Renter Form + Rental Assistance