We can help you with improvements for any project size
One Roof Community Lending offers affordable loan programs for home improvements. Our loans can assist homeowners in Duluth, Superior, and the surrounding areas at practically any income level.
Multi-family rental properties are also eligible, but must be owner-occupied.
What improvements can I make?
Here are some examples:
- Repairs to porches and decks
- Bathroom and kitchen remodels
- Basement finishing
- Insulation
- Siding, roofing, and window repair/replacement
- Water heater repair/replacement
- Heating and cooling system repair/replacement
While we cannot provide a copy of your credit report, we can review it with you and provide the information needed to contact creditors about charge-offs or collections. This review does not affect your credit score.
Ready to Begin?
Start your application to find loan options that work best for you.
What Happens Next?
Once you submit the completed form, One Roof staff will review your information to find the loan options that work best for you. You will receive a list of the documents needed that are specific to you and your project.
Documents can be uploaded to your One Roof portal, emailed, mailed, or dropped off at our office.
Because of the variety of programs we offer, we cannot determine program qualification and/or its interest rate, term, or approval status until we have received all required documentation.
Already Started an Application?
The username and password provided in your confirmation email can be used to log in to your One Roof portal, upload documents, and check the status of your application.
Need Help?
Do you have a question before continuing or prefer to apply by phone?
Call (218) 727-5372 and our Lending team would be happy to schedule time to help complete the application over the phone.
Important Information
- One Roof Lending is an equal opportunity lender and only finances home improvement projects
- One Roof is not a contractor and does not do repairs or contract work
- Your bid(s) or project estimate(s) will be required to finalize your application.
- Loan and program availability is always dependent upon funding available.
Helpful Resources
NMLS: 380490
In accordance with federal laws and U.S. Department of the Treasury policy, this organization is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability.
To file a complaint of discrimination, write to:
U.S. Department of the Treasury
Director, Office of Civil Rights
and Equal Employment Opportunity
1500 Pennsylvania Avenue, N.W.
Washington, DC 20220
or call (202) 622-1160 or send an e-mail to: crcomplaints@treasury.gov.