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.* The Home Stretch workshop requires a separate application to register for an upcoming workshop.
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