Who qualifies for Community Land Trust?
To qualify for the Community Land Trust program, homebuyers must:
- Meet the Income Guidelines below.
- Have good credit and obtain a mortgage through one of these participating lenders:
North Shore Mortgage
mortgagemailbox@northshore.bank
(218) 733-5549
MN Chippewa Tribe Finance Corporation
Michael Northbird
mnorthbird@mnchippewatribe.org
or
info@mctfc.org
(218) 335-8582 ext. 150
U.S. Bank
Tim Fischer
timothy.fischer@usbank.com
(218) 260-7707
Heather Burns-Myhre
heather.burnsmyhre@usbank.com
(507) 250-1662
Old National Bank
Cynthia Theisen
cynthia.theisen@oldnational.com
(612) 819-4753
Summit Mortgage
Sarah Zahler
szahler@summit-mortgage.com
(763) 370-6785
Sheri Johnson
sjohnson@summit-mortgage.com
(218) 393-3576
Bell Bank
Mark Anunti
manunti@bell.bank
(218) 310-3493
Woodland Bank – Grand Rapids
Chris Henrichsen
chrish@woodland.bank
(218) 999-0590
-
- Have regular income from an employer, self-employment, or other sources such as Social Security, disability, or child support.
- Complete the following three items:
- Community Land Trust (CLT) Application
- Homebuyer Workshop Class
- CLT orientation
*Asset limits may apply.
*You do not need to be a first time buyer.
Income Guidelines
The income limits are based on the taxable gross income of all adults who will be living in the household at the time of purchase, regardless of whether or not they will be listed on the mortgage. All income is counted, including regular employment wages, child support, alimony, Social Security, and disability benefits.
Buyers only have to income qualify at the time of the original purchase. Income is never monitored again, and there is no limit on how much they can earn in the future.
| Household Size | 2025 Duluth Income Limits |
| 1 | $56,350 |
| 2 | $64,400 |
| 3 | $72,450 |
| 4 | $80,500 |
| 5 | $86,950 |
| 6 | $93,400 |
| 7 | $99,850 |
| 8 | $106,300 |