These are the required steps to begin the process of applying for a Land Trust home.
1. Complete the online Land Trust program application. *This form needs to be completed using a desktop computer. It does not currently work in a mobile format.
2. Complete the “Home Stretch” curriculum, an 8 hour homebuyer education class offered by One Roof Community Housing. The Home Stretch workshop requires a separate registration.
3. Attend a Community Land Trust program orientation session. Call Joanna Menchaca to request an individual appointment.
Joanna Menchaca (218-727-8604) or by email
4. Obtain a mortgage pre-approval from one of the participating lenders below.
PARTICIPATING Mortgage Lenders
North Shore Bank: (30 year fixed rate)
Elizabeth Lundgren, 218-625-1245 (Downtown Duluth)
Chana Stocke, 218-733-5535 (Hermantown)
Rhonda Adams, 218-625-1262 (Superior/Cloquet)
Kathryn Gunderson, 218-625-1238 (Hermantown)
US Bank: (30 year fixed rate)
Tim Fischer, 218-260-7707 (Lincoln Park)
Troy Deadrick, 218-723-2820 (Downtown Duluth)
USDA Rural Development (for properties outside Duluth)
Diann Carlson, 218-741-3929
Minnesota Chippewa Tribe Finance Corporation
Cynthia Cwikla, 218-335-8582, x 150
