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