Step 3: Submit your application

  1. Submit your application online. Submit (or update) a full online application and all supporting documents to KulshanCLT by the deadline (typically 2 weeks from the Interest Deadline in Step 2). Additional documents or document corrections may be requested by KulshanCLT. 

  2. Get a loan pre-approval letter. Obtain a loan pre-approval letter from a Participating Lender and submit to KulshanCLT. 

  3. If you haven’t already, attend a KulshanCLT Information Session.  

  4. If you haven’t already, attend a HUD-Certified Homebuyer Education Course. Submit your Certificate of Completion to KulshanCLT. 

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Step 2: Look out for invitations to apply for available homes

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Step 4: Wait for a Finalist to be selected