One roof community housing land trust. With funding support from the City of Duluth, St.

One roof community housing land trust. Jun 15, 2022 · Staff at One Roof Community Housing call it "The Skinny House. This information is legally required to determine eligibility for our different programs and lending products. We build new homes and rehab older homes using a model that permanently preserves the afordabili educed price. Community Land Trust (CLT) Program: One Roof develops single-family homes for purchase by households who typically earn $20,000--$40,000 per year. The goals are to update the major systems of the home, to improve energy efficiency, to increase indoor comfort, health and safety, to have a home that is affordable to purchase and to maintain, and to be an asset to the neighborhood. This will be the first time One Roof has done work in Itasca County. Community Land Trust helps provide access to land and housing to people who might otherwise not have access. Anyone who has good credit and can obtain a mortgage through one of our participating lenders: North Shore Mortgage: mortgagemailbox@northshore. Mediation services to help resolve tenant/landlord and neighbor to neighbor disputes. Nov 10, 2016 · One Roof Community Housing announced three new hires to support its lending and land trust programs. The homebuyer and One Roof enter into the Land Jun 1, 2023 · PERMANENTLY PRESERVING HOUSING AFFORDABILITY ONE ROOF’S COMMUNITY LAND TRUST CLT PROGRAM began as Northern Communities Land Trust. S. According to One Roof, the community land trust program has kept houses around $75,000 below market value. This assistance is offered as a 0% interest loan that is forgivable after 20 years. Buyer’s gross annual income cannot exceed the following (household $47,800 (1); 54, to income eligible reminded attendees that only members are eligible to vote at the meeting. They marked their 375th Community Land Trust home on Thursday. Stewardship What is CLT Stewardship? One Roof Community Land Trust homes have received funding from local, state, and federal entities. One Roof Community Housing in Duluth, Minnesota (MN) Table of contents: Overview Detailed Reports Checklist Statements Regarding Other IRS Filings and Tax Compliance Compensation of Officers, Directors, Trustees, Key Employees, Highest Compensated Employees, and Independent Contractors Statement of Revenue Statement of Functional Expenses Jun 26, 2024 · June is Homeownership Month, and the local One Roof Community Housing nonprofit is getting the word out about its programs. , Duluth, MN 55805 and 426 N 52nd Ave. This funding is what makes the home affordable. One Roof maintains ownership of the land, which homeowners lease for a Apr 7, 2022 · It’s building value that’s more than just money; it’s adding to the quilt of the community. One Roof Community Housing - Community Land Trust Application Identity check Please enter your email and password to resume this form. rondoclt. Homes are One Roof Community Housing, formed by the merger of Northern Communities Land Trust and Neighborhood Housing Services, is a nonprofit organization that for over 25 years has helped over When Northern Communities Land Trust and Neighborhood Housing Services joined forces in January of 2012, we formed a one-stop shop for homebuyers and homeowners: One Roof Community Housing. Homes are Dec 29, 2022 · One Roof is also partnering with the Itasca County HRA Community Land trust that will be building eight homes in Grand Rapids. The g se and to maintain, and to be an asset to the neighb hood. As one of the largest land trust programs in the nation, One Roof’s CLT program has been cultivating affordable homeownership for over 25 years across four counties in the Arrowhead region. com, 218-260-7707 ABOUT US One Roof One Roof Community Housing is a non-profit organization committed to providing housing services and building and sustaining affordable homes and healthy neighborhoods. “We started as Northern Communities Land Trust and became One Roof by combining with a neighborhood housing services organization. Community land trusts are generally nonprofit organizations that seek to create permanently afordable housing and homeownership opportunities for According to One Roof, the community land trust program has kept houses around $75,000 below market value. One Roof has 300 CLT homes across our Twin Ports and North Shore communities including Nordic Star in Grand Dec 1, 2023 · Affordable rental and community land trust housing development services in Duluth, MN, promoting wise stewardship of land and resources. , recently contributed $50,000 to One Roof Community Housing, and that private investment helped the organization obtain another $720, The Impact Down Payment Assistance Program helps income-qualified home buyers reduce the upfront costs of purchasing a home. My role at One Roof is to lead the new construction development of single-family homes for the land trust. The goals are to update the major systems of the home, to improve energy efficiency, to increase indoor comfort, health and safety, to have a home that is affordable to purch BEFORE ONE ROOF OFFERS ANY HOME THROUGH THE COMMUNITY LAND TRUST PROGRAM, all the necessary struction personnel. "And then in the land lease agreement, our intent of the program is to help the family today purchase the home, but we also have an eye to the future. org/homebuyers/community-land-trust/. (Northern News Now) - New affordable housing is now on the market in Duluth. Each house is One Roof Community Housing provides a dynamic spectrum of housing development and services so that everyone in our community has the opportunity to attain safe and stable homes. Nov 1, 2023 · PERMANENTLY PRESERVING HOUSING AFFORDABILITY ONE ROOF’S COMMUNITY LAND TRUST (CLT) PROGRAM began as Northern Communities Land Trust. One Roof Community Lending offers affordable loan programs for home improvements. Multi-family rental properties are also eligible, but must be owner-occupied. Homes are Community Land Trusts (CLTs) are nonprofit organizations that retain ownership of the land in real estate transactions to maintain permanently affordable residential or commercial space in communities *While Home Stretch certification is required to purchase a Community Land Trust home our workshops are open to any person wanting to purchase a home regardless of income level or property type. com) Complete the “Homestretch” curriculum, an 8-hour homebuyer education class offered by One Roof or through Kootasca Community Action (Homebuyer Education & Counseling – KOOTASCA). The program allows lower-income home buyers to purchase Land Trust homes at a low price. — Two new affordable homes have now been listed on the market thanks to One Roof Community Housing in Duluth. One Roof helps hardworking families achieve the dream of homeownership, Jonathan and Molly’s story is just one example. MULTIFAMILY HOUSING DEVELOPMENT SERVICES: ONE ROOF DEVELOPS AFFORDABLE RENTAL HOUSING OPPORTUNITIES FOR LOWER INCOME HOUSEHOLDS IN OUR COMMUNITY TO PREVENT HOMELESSNESS. The program is a nationally recognized land trust serving four counties in the Arr whead region. We build new homes and rehab older homes using a model that eighborhoods. Sep 30, 2024 · GRAND RAPIDS — The Itasca County HRA and One Roof Housing will host two informational sessions about owning a home through a community land trust. The one-time financial investment is recycled over and over with each sale and purchase of Feb 27, 2025 · Farther up the North Shore in Grand Marais, Corey said, One Roof Housing has built 10 Community Land Trust Homes and developed Four Directions Dwellings, a 16-unit apartment complex in Lutsen. In exchange for this assistance, One Roof maintains ownership of the land, which homeowners lease for a small fee. The seller will pay for the cost of the appraisal, as indicated in the land lease. The Land Trust model ensures that the homes are permanently affordable in future resales. With funding support from the City of Duluth, St. Community land trust is a Common Ground Deconstruction Northern Communities Land Trust One Roof Community Lending Common Ground Deconstruction For more information about what Community Land Trusts are and how they work, visit One Roof Community Housing’s website at: https://1roofhousing. As one of the largest land trust programs in the nation, One Roof’s CLT program has been cultivating afordable homeownership for over 25 years across four counties in the Arrowhead region. fischer@usbank. Dec 14, 2023 · One Roof expected to receive 'historic' support for Northland housing The Minnesota Housing Finance Agency plans to announce projects Friday, with plenty of funding in store for Northeastern e of Duluth. Nov 17, 2023 · Their children can inherit the home, but if they sell the home will return to the land trust and it will be sold again to another household that’s below 80% of the area median income,” said Debbie Freedman, Housing Development Coordinator for One Roof. The relationship with the family began in 1998 when the couple had attended our Home Buyer Education classes and counseling services through Neighborhood Housing Services (which merged in 2012 with Northern Communities Land Trust to become One Roof). PERMANENTLY PRESERVING HOUSING AFFORDABILITY ONE ROOF’S COMMUNITY LAND TRUST (CLT) PROGRAM began as Northern Communities Land Trust. Homes are sold 20-25% below market value households. Upcoming Community Land Trust Homes 2025 All homes will be renovated by Common Ground Construction, One Roof Community Housing's construction company. org Rondo Community Land Trust (St. Upcoming Community Land Trust Homes Spring-Summer-Fall 2023 uction, One Roof Community Housing's construction company. GET STARTED STEWARDSHIP Resources for Community Land Trust Homeowners We provide ongoing support to CLT homeowners by providing information regarding One Roof programs and community resources that can help with their homeownership experience and the maintenance of their home. In addition to CLTs, this includes limited equity co-ops and resident-owned communities. We build new homes and rehab older homes using a model that permanently May 6, 2025 · In the summer of 2000, through Steve, I met Jeff Corey, the Executive Director of a tiny non-profit called Northern Communities Land Trust (which later merged with Neighborhood Housing Services and became One Roof Community Housing). Dec 18, 2023 · Duluth housing nonprofit lands historic $62. Upcoming Community Land Trust Homes Summer-Fall-Winter 2023 by Common Ground Construction, One Roof Community company. The homeowner accumulates equity. Upcoming Virtual Home Stretch Classes Who We Are One Roof Community Housing, formed by the merger of Northern Communities Land Trust and Neighborhood Housing Services, is a nonprofit organization that for over 25 years has helped over 500 low and moderate income households buy their own homes through the Community Land Trust program, which assists people in need of housing now, while permanently preserving afordable housing in the Background: One Roof Community Land Trust formed in 2012 when the boards of Neighborhood Housing Services (founded in 1983) and Northern Communities Land Trust (founded in 1990) voted to merge the two organizations into one. On Thursday, One Roof Community Housing and community partners celebrated the completion of two new community land trust homes in Duluth. . 5 days ago · Deborah Freedman: Housing development senior coordinator at One Roof Community Housing. 13 These are: Champlain Housing Trust, One Roof Community Housing, and Thistle. Paul) PERMANENTLY PRESERVING HOUSING AFFORDABILITY ONE ROOF’S COMMUNITY LAND TRUST (CLT) PROGRAM began as Northern Communities Land Trust. When: Construction begins August 2021 Where: 5810 Redruth St. Loan amounts are based on need, with most households receiving ~$20,000. We build new homes and rehab older homes using a model that permanently preserves the aford tly reduced price. One Roof Community Land Trust formed in 2012 when the boards of Neighborhood Housing Services (founded in 1983) and Northern Communities Land Trust (founded in 1990) voted to merge the two organizations into one. " The Duluth home – which the NeighborWorks network organization sold at the end of May – is part of a community land trust, built on a lot that most developers had passed over because of its size. One Roof Community Housing, formed by the merger of Northern Communities Land Trust and Neighborhood Housing Services, is a nonprofit organization that for over 25 years has helped over 500 low and moderate income households buy their own homes through the Community Land Trust program, which assists people in need of housing now, while Community Land Trust helps provide access to land and housing to people who might otherwise not have access. The Colorado Community Land Trust (CCLT) is a 501 (c) (3) nonprofit organization founded in 2002. Apr 10, 2025 · The U. s Land Trust. This statement Sep 9, 2018 · Ryan, the CEO of Odyssey Resorts and Development Inc. This program is funded by Minnesota Housing and administered by One Roof Community Housing. Jul 18, 2025 · DULUTH, Minn. Area residents making between $18 and $43 an hour could purchase a newly constructed home, with down payment and closing cost assistance up to $70,000 available for qualifying buyers, according to an informational flyer. CCLT merged with Habitat for Humanity of Metro Denver in 2020 and, together, we have expanded land trust services throughout Metro Denver. One Roof has received Tool Lending Library Get the tools you need Community Land Trust Get CLT homeowner resources Make Lease Payments Who We Are One Roof Community Housing, formed by the merger of Northern Communities Land Trust and Neighborhood Housing Services, is a nonprofit organization that for over 25 years has helped over 500 low and moderate income households buy their own homes through the Community Land Trust program, which assists people in need of housing now, while permanently preserving afordable housing in the One Roof makes home a better place by helping people find and fix their homes, and by providing housing development services to the community. ” The team for this affordable housing infill project included the City of Duluth, One Roof Community Housing, Office Hughes Olsen, and 1LLC, with generous guidance from Lynn Marie Nephew/ReMax and Richlite material donation from Intectural. org One Roof Community Housing (Duluth) One Roof Community Housing is a local, non-profit, community-supported membership organization working in Duluth providing quality, affordable homeownership opportunities for low and moderate income people. Hobbs oversees the lending program at One Roof, which recently BEFORE ONE ROOF OFFERS ANY HOME THROUGH THE COMMUNITY LAND TRUST PROGRAM, all the necessary struction personnel. One Roof Community Housing will serve low-moderate income (LMI) persons. We build new homes and rehab older homes using a model that Community Land Trust homes cost less than market rate homes because the CLT homebuyer purchases only the house and enters into an agreement with One Roof for the use of the land. The same The homeowner obtains a mortgage with a bank. Common Ground was created by One Roof Community Housing in 2004 as a wholly-owned subsidiary engaged in general construction a *In-person appointments and office visits are by appointment only. “We built these two houses as a part of our Community Land Trust Program to provide affordable home ownership opportunities for people to purchase homes in Duluth,” said Jeff Corey, the Executive Director for One Roof Community Housing. Homes for Sale Local, affordable homeownership opportunities View upcoming New Construction and Acquisition Rehab Land Trust homes. One Roof’s Community Land Trust program allows lower income home buyers to purchase Land Trust homes for a significantly reduced price. 5 million in state aid One Roof Community Housing will funnel millions toward apartments and single-family homes. The houses are Community Land Trust Homes which will sell to household The Community Land Trust program is just one resource provided by One Roof Community Housing. All federal guidelines will be met. IN 2019, ONE ROOF HELPED 28 HOUSEHOLDS PURCHASE A CLT HOME, WHICH INCLUDED ACQUISITION/REHAB HOMES, NEW CONSTRUCTION HOMES AND RESALE HOMES. When homeowners move, they agree to pass on the benefits they received by selling their home below market price to another income-qualified buyer. This work results in better places for people in the community to live and stronger neighborhoods. Jan 1, 2024 · Upcoming Community Land Trust Homes 2024 One Roof renovates homes and builds new homes. Louis County, Duluth Housing and Redevelopment Authority, and the Ordean Foundation, One Roof Community Housing was charged with instituting a program that would provide education, information, and problem solving assistance as a way to improve tenant-landlord relations and decrease the amount Community Land Trust Director at One Roof Community Housing Jim Philbin is a Community Land Trust Director at One Roof Community Housing based in Duluth, Minnesota. Homebuyers Everyone deserves a home, everyone deserves choices. Noah Hobbs has been hired as lending director, Dale Lewis as loan officer and Katie Seipel-Anderson as community land trust associate. Jul 23, 2025 · Public/Community Land Trusts This policy/program includes investments or policies that expand the amount of land with permanent afordability protections held by public and nonprofit entities such as cooperatives, community land trusts and land banks. One Roof Community Housing Announces partnering with Office Hughes Olsen (OHO) to design and develop two new, single-family CLT homes. The set of four new homes are out at S 62nd Avenue West, and just went on the One Roof Community Housing collects financial and demographic information about the families/individuals that apply for its programs. Jul 1, 2024 · Typically 20, 30, even 40% below market value," said Jim Philbin, senior director of community land trust at the Duluth nonprofit One Roof Community Housing. W, Duluth, MN 55805 Project team:Developer – One Roof Community HousingArchitect – Office Hughes OlsenContractor – 1LLC Funding […] Mar 16, 2021 · For more information about what Community Land Trusts are and how they work, visit One Roof Community Housing’s website at: https://1roofhousing. One Roof makes home a better place by helping people find and fix their homes, and by providing housing development services to the community. One Roof maintains ownership of the land, which homeowners lease for a smal Resale Procedure One Roof Community Housing Community Land Trust Program Once the seller contacts ONE ROOF indicating that they wish to sell their home, ONE ROOF will give the seller a list of appraisers that they can use to obtain a current market appraisal. New construction homes are built on scattered vacant lots throughout the area. Landlord workshops on fair housing laws, local government rules and requirements, business fundamentals and other common issues. In 2011, Jeff helped lead the merger process between Northern Communities Land Trust and Neighborhood Housing Services of Duluth to create One Roof Community Housing, a nonprofit committed to providing housing services and building and sustaining affordable homes and healthy neighborhoods. www. All workshops will be held virtually until further notice, unless otherwise indicated. Here are our current Land Trust homes available for purchase: What is the difference between Land Trust homes and Conventional? Land Trust homeownership is similar to conventional homeownership, but the land beneath the homes is owned by One Roof Community Housing. Who We Are One Roof Community Housing, formed by the merger of Northern Communities Land Trust and Neighborhood Housing Services, is a nonprofit organization that for over 25 years has helped over 500 low and moderate income households buy their own homes through the Community Land Trust program, which assists people in need of housing now, while permanently preserving afordable housing in the One Roof Community Housing - Community Land Trust Application Identity check Please enter your email and password to resume this form. The home can be inherited by the homeowner’s spouse or children. Who We Are One Roof Community Housing, formed by the merger of Northern Communities Land Trust and Neighborhood Housing Services, is a nonprofit organization that for over 25 years has helped over 500 low and moderate income households buy their own homes through the Community Land Trust program, which assists people in need of housing now, while permanently preserving afordable housing in the When Northern Communities Land Trust and Neighborhood Housing Services joined forces in January of 2012, we formed a one-stop shop for homebuyers and homeowners: One Roof Community Housing. We were formed by the merger of Northern Communities Land Trust and Neighborhood Housing Services in 2012. One Roof Community Housing showcased five new homes Thursday through an open house that celebrated the organization’s 375th Community Land Trust home program. One Roof Community Housing works in pursuit of a Duluth region that is just, equitable and sustainable by providing a dynamic spectrum of housing development, services and advocacy for those in our community economically and systemically excluded from attaining safe and stable homes. The program is a nationally recognized land trust serving four counties in the Twin Ports region. As a full service housing organization, One Roof is creating new single and multi-family affordable housing opportunities, in addition to helping people purchase homes, maintaining long-term affordability through their Community Land Trust program and rehabilitating the existing Jun 15, 2022 · Staff at One Roof Community Housing call it "The Skinny House. 1roofhousing. Jul 17, 2025 · An exciting moment for One Roof Community Housing. When you look at the total housing market in the Twin Ports area PERMANENTLY PRESERVING THE AFFORDABILITY OF HOUSING nities Land Trust. It is the Land Lease Agreement that makes the affordability long-term. In this model, the land trust organization owns real estate in order to provide benefits to its local community, in particular to make land and housing available to residents who cannot otherwise afford them. One Roof Community Housing - Community Land Trust Application Reset your Password Enter the email address you used to save your response to this form. Oct 5, 2014 · One Roof Community Housing recently marked a milestone with the sale of its 250th home through the Community Land Trust Program. Jim is the Community Land Trust Director at One Roof Community Housing, and has worked with nearly 500 families over the last 20 years in purchasing a lan Duluth’s One Roof Community Housing, a nonprofit that offers housing services alongside a CLT arm, does the same in northern Minnesota while the Minnesota Community Land Trust Coalition (MCLTC) supports and advocates for CLTs across the state. Since 2021, 17 One Roof Community Land Trust homeowners have installed solar with the assistance of the nonprofit organizations Solar United Neighbors and MN Interfaith Power & Light. We build new homes and rehab older homes using a model that COMMUNITY LAND TRUST STEWARDSHIP One Roof Community Land Trust homes have received funding from local, state, federal entities. Please join us Thursday, July 17, 2025 for our Community Land Trust Open House! The Community Land Trust model is designed to provide access to land and housing to people who might otherwise be denied access; to increase long-term community control of neighborhood resources; to empower residents through involvement and participation in the organization; and to preserve the affordability of housing permanently. The homes, located at 1317 and 1319 99th Avenue West, are Nov 17, 2023 · DULUTH, Minn. Please call 727-5372 to schedule an appointment! Nov 17, 2023 · The single-family homes are decked out with energy star certified utilities and appliances, which make the houses durable and affordable. One Roof members include all One Roof Community Land Trust Homeowners, and any person 18 years of age or older who expresses support o the Corporation’s mission and signs a Membership Commitment Statement. The new homes are 2 bedrooms, 2 bathrooms. We Make Home A Better Place | Our mission is to enrich lives and communities, one home at a time. Department of Housing and Urban Development administers the funding awarded to One Roof Community Housing. The homeowner pays property taxes Qualifications Who qualifies for Community Land Trust? Anyone who meets the Income Guidelines below. The CLT creates opportunities for affordable homeownership across four counties in the Arrowhead region. Understanding Your Land Lease Community Land Trust homes cost less than market rate homes because the CLT homebuyer purchases only the house and enters into an agreement with One Roof for the use of the land – this agreement is called the Land Lease. As one of the largest land trust programs in the nation, One Roof’s CLT program has been cultivating affordable homeownership for over 25 years across five counties in the Arr Complete the Land Trust program application: One Roof Community Housing - Community Land Trust Application (tfaforms. One Roof Community Housing | 238 seguidores en LinkedIn. Rehabilitated homes are renovated by Common Ground Construction, One Roof Community Housing's construction company. Serving as a community resource on the rights and responsibilities of both tenants and landlords. The one-time financial investment is recycled over and over with each sale and purchase of the home. They are located at 1317 and 1319 99th Avenue The model used to fulfill our mission is the Community Land Trust model (CLT). Common Ground was created by One Roof Community Housing in 2004 as a wholly-owned subsidiary engaged in general construction a PERMANENTLY PRESERVING THE AFFORDABILITY OF HOUSING s Land Trust. Our loans can assist homeowners in Duluth, Superior, and the surrounding areas at practically any income level. bank, 218-733-5549 US Bank: Tim Fischer, timothy. 7m1gg eyih8x6 um8gp24yd 994 szi zza 8infl pxu1 rqqig iiq