CLT Homeowner Resources

Stewardship & Homeowner Manual

The homebuyer and One Roof enter into the Land Lease Agreement as dual stewards of the home and property to keep the affordability of the home long term.  

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Land Lease Agreement

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.

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Refinance & Home Equity

Refinancing means that you pay off the entire amount of your existing mortgage and take out a new mortgage. 

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In exchange for buying a home at an affordable price, the homeowner agreed to sell the home at an affordable price.

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Home Maintenance

Maintaining your home is important to protect your investment and keeping your home a safe and comfortable place to live.

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Home Improvement

Now that you are a homeowner, you may want to do some improvements to make your house feel more like a home.

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Resources & Information

Common questions and experiences from homeowners guide this resource list.

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Owner Occupancy & Homeowner Insurance

Both are requirements agreed upon when you purchased your Community Land Trust home.

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DULUTH, MN 55805

Office Hours:

*In-person appointments and office visits are by appointment only.  Please call 727-5372 to schedule an appointment!

Phone: (218) 727-5372

Fax: (218) 727-9368


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