How to Apply
Our application process is designed to make you feel confident if you decide to proceed with a home purchase.
Follow our 4 STEP process below:
Step 1: Submit your PCCLT Application
Complete the PCCLT Application form.
Complete the PCCLT Application form.
You may download the application form HERE.
AND Provide the following supporting documentation:
Picture ID for applicants and anyone 18 years old & over.
Birth Certificates for household members under 18 years of age (if you do not have birth certificates you can order them through Vital Records at the Health Department.
Social Security Cards for all members of the household (those who have cards for work only must also bring their legal residence card).
INCOME: One month of pay stubs – Most Recent
For every employed person in the household who is 18 years and older, you must submit one months’ worth of your most recent pay stubs.
Recent Award Letter if you receive Social Security Benefits, Disability Benefits or a Pension
If you receive Child Support, provide Child Support Award Letter
SAVINGS: Three months of bank statements – Most Recent
For all financial accounts including: Checking, Savings, Investment, 401K, IRA, Retirement, etc…
Two years of Federal Income Tax Returns and W-2 forms – Most Recent
FEDERAL return only with ALL Schedules and supporting documents such as 1099 and W-2 forms
Self-employed clients will need to bring most recent 3-years of Federal Tax Returns in addition to a Profit and Loss Statement for the current year.
If not available call the IRS for Transcripts at 1-800-829-1040. It can take up to 4 weeks or you can request to have them faxed to you. Let the IRS know that you are in the process of purchasing a home and need them ASAP.
One month of utility bills.
Including gas, water, electricity, and garbage, etc.
Bankruptcy papers including discharge letter and list of creditors (if applicable).
Divorce Decree- in order to clarify debt/asset issues
You can submit your application via email to email@example.com, mail or deliver in person or mail to:
Pima County Community Land Trust
17 N. Linda Avenue
Tucson, AZ 85745
Step 2: Meet with PCCLT staff
Once PCCLT staff has received the application package along with required supporting documentation, a meeting will be set up so that you can learn more about PCCLT and the home-buying process.
At this meeting, PCCLT staff will help:
Determine income eligibility
Create a budget
Create an action plan
Sign you up for workshops
Provide referrals to lenders
Provide referrals to real estate agents and other housing industry professionals.
Step 3: Submit your Mortgage Loan Application
When ready, PCCLT staff can forward your documentation to the lender of your choice and work with them to get you approved. If you are interested in purchasing a PCCLT home, we can help you submit your online* Loan Application to Washington Federal, the PCCLT approved Lender. You must be present OR you can set up an appointment with Deanna Mora at Washington Federal.
Deanna Mora, Branch Manager
Washington Federal – South Tucson Branch
1833 S. 6th Ave.
Tucson, AZ 85713
Office: (520) 628-8111
Fax: (520) 623-1595
*Applying online will save you a credit report fee.
Your lender will need the same information listed in Step 1 above.
Step 4: Choose your Home & Submit an Offer
As a Housing Counseling Agency, we are prepared to help you purchase a home in Tucson by providing you with housing counseling services and identifying local programs and resources that may help you with down payment and closing costs.
You are not obligated to purchase a PCCLT home.
At this time, all PCCLT homes are resale homes. In most cases, this means that we are helping our current PCCLT homeowners sell their homes. Sometimes, PCCLT may actually purchase a home from one of our homeowners. PCCLT continues to own the land and we will enter a new 99-year ground lease with you. The sale of the improvement/house will be between the current homeowner and you!
You can review the homes that we have available HERE or contact us.
TO SUBMIT AN OFFER ON A PCCLT HOME:
You must be approved for a loan with a PCCLT approved lender, currently only Washington Federal and include with the offer the following:
Income Eligibility Certificate
Approval Letter from Lender
Addendum #1- Provided by PCCLT
Buyer Disclosure Form – Provided by PCCLT
Earnest Money check in the amount of $750
You must be determined income eligible by PCCLT.
IF the home is listed in MLS, you must use your own real estate agent to represent you.
IF the homes is listed by PCCLT as a For Sale By Owner, You may still want to hire your own real estate agent.
Your offer must be for the listed sales price.
The final purchase price will be adjusted to match the leasehold appraised value.
You must qualify for a residential loan in an amount that equals at least 85% of the list price of the home. Be sure to include the following documents in your offer: