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. A class schedule is found here.* Currently, the online version of Homebuyer Education (Framework) does not meet the education requirement for this program.
Click here to apply now by filling out the online application for the CLT program and to register for “Homestretch” homebuyer education class. *This form needs to be completed using a desktop computer. It does not currently work in a mobile format.
3. Attend a Community Land Trust program orientation session. Call Jim Philbin or Katie Seipel-Anderson to request an individual appointment.
Jim Philbin (218-727-5372, x 2030) or by email
Katie Seipel-Anderson (218-727-5372 x2060) 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)
Julie Reinemann, 218-733-5525 (Downtown Duluth)
Elizabeth Lundgren, 218-625-1245 (Downtown Duluth)
Chana Stocke, 218-733-5535 (Hermantown)
Kris Koth, 218-625-1238 (Hermantown)
Anna Carlson, 218-625-1263 (Cloquet)
Marnie Christensen, 218-733-5581 (Superior)
US Bank: (30 year fixed rate)
Troy Deadrick, 218-723-2820 (Downtown Duluth)
USDA Rural Development (Grand Marais)
Diann Carlson, 218-741-3929
Minnesota Chippewa Tribe Finance Corporation
Cynthia Cwikla, 218-335-8582, x 150