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