home programs

Colorado Community Land Trust

Creating affordable homeownership opportunities for moderate income individuals and families

The Colorado Community Land Trust (CCLT) is a 501(c) (3) nonprofit organization founded in 2002. CCLT merged with Habitat for Humanity of Metro Denver in 2022 and, together, we have expanded land trust services throughout Metro Denver.

Current Homeowners

CCLT Properties

CCLT Properties

Interested in homeownership with us?

Click on the projects below to explore. Then see the available homes and home buying process for each area.

Littleton Homes

Renovated homes in Littleton
for sale

Affordable Resales

Our affordable resales are currently located in the First Avenue, Falcon Point and Maple Park communities. We offer homes at great prices in convenient locations.
for sale

Miller Homes

Wheat Ridge
Coming Soon
coming soon


Housing costs are generally considered affordable when they constitute no more than 30-35% of household income. This affordability standard is set by the Federal Department of Housing and Urban Development (HUD). Under the land trust model income-qualifying buyers can purchase a home below market rate, often with down payment assistance and an affordable mortgage program. At the point of sale appreciation is limited allowing a new buyer who also income-qualifies to purchase the home.

Any person or household who meets the eligibility requirements may apply. You do not have to be a Denver resident nor a United States citizen to be eligible. However, you must be able to qualify for a mortgage on your own and be residing in the Country legally.

The affordable housing program has maximum income limits which are based on the Denver Area Median Incomes published annually by the U.S. Department of Housing and Urban Development. You can find the current limits posted under ‘Do I Qualify’ on this website.

HUD (Housing and Urban Development) determines the Area Median Income (AMI) based on the census and publishes those numbers each year. The program requires that buyers be at or below 80% of AMI per your household size. The list of all items considered income are as follows:

  • Earnings
  • Unemployment compensation
  • Worker’s compensation
  • Social security
  • Supplemental security income
  • Public assistance
  • Veteran’s payments
  • Survivor benefits
  • Disability benefits
  • Pension or retirement income
  • Interest
  • Dividends
  • Rents, royalties, and estates and trusts
  • Educational assistance
  • Alimony
  • Child support
  • Financial assistance from outside of the household

The list of all items that are deducted from income are as follows:

  • IRA Deduction
  • Medical savings account deduction
  • Moving expense deduction
  • One-half of self-employment tax
  • Self-employed health insurance deduction
  • Keogh & self-employed SEP & SIMPLE Plans
  • Penalty on early withdrawal of savings
  • Alimony paid

Yes. We need verification of your finalized separation or divorce decree.

Please provide a letter – from the person giving you the gift – that indicates the amount of the gift. Share this with our team.

Our program requires owner occupancy, so if you are the owner of a townhome, you would need to live there with your son or daughter. At least one person in the household must receive enough income to meet the mortgage loan and home expense obligations.

Meet the CCLT Lenders

Meet our affordable housing lenders!  Partner with a professional banker and personal cheerleader who will walk you through the whole process of obtaining your loan.  We work hand in hand with these participating lenders and recommend them highly!

Ryan McNeill

FirstBank (720) 895-3434 NMLS ID#: 1204031

Damien Mesa

FirstBank (303) 660-7975 NMLS ID#: 2124815

Evan Jansen

Summit Mortgage Corporation (720) 200-9480 NMLS ID#: 128384

Sandy Levy

Universal Lending (303) 759-7402 NMLS ID#: 288644 CO#: 100017937

Contact Us

Physical Address: 7535 E Hampden Ave, Ste 600, Denver, CO 80231
Mailing Address: PO Box 5667; Denver, CO 80217
Phone: 303-856-7357
Fax: 303-856-7756

Eric Welch

Eric Welch

Realtor, HomeSmart Cherry Creek
Email: ericwelch65@aol.com
Phone: 303-829-8744

With over 150 CCLT closings since 2011, Realtor Eric Welch supports both sellers and homebuyers in our affordable communities. Originally from Claremore, Oklahoma, he graduated from the University Of Oklahoma and entered into corporate retail operations for 14 years.

Eric finally leaned into his passion for real estate, and is now in his seventh year specializing in affordable housing. He guides moderate-income earners as they make one of the biggest purchases of their lives. His knowledge of affordable housing will help make your purchase or sale efficient and easy!

Samantha Becker

Samantha Becker

Community Land Trust Manager
Email: sbecker@coloradoclt.org
Phone: 303-856-7357, X 305

Samantha joined the CCLT in 2005 as an administrative assistant for the executive director and sales coordinator. By 2009, her unparalleled work ethic and passion for affordable living propelled her to her current position as land trust manager.

Before her career at the CCLT, Samantha was a bankruptcy administrator for GMAC, an accounting assistant for Parsons Brinkerhoff, and assistant manager for a retail establishment in Golden, Colorado. Samantha has an administrative assistant degree from Barnes Business College

Lara Arnold

Lara Arnold

Stewardship and Compliance Specialist
Email: larnold@habitatmetrodenver.org

Lara became a part of the CCLT and Habitat for Humanity of Metro Denver as a Stewardship & Compliance Specialist in October 2021 after previously working in property management.