Refinance

When you refinance, it means you pay off the entire amount of your existing mortgage and take out a new mortgage. People often do this to get a lower interest rate, to change term of loan ( i.e., 30-year to 15-year), or remove a co-signer from the loan.  It is essential you contact One Roof prior to refinancing (see Article 8.3). You can use the form below. Note that One Roof homeowners are not able to get a cash out refinance.

You may have also heard of Home equity loans. These are loans where a homeowner borrows against the equity they have in their house. Equity is the amount you have paid on your mortgage plus your down payment. Your home equity is the part of your home you own. A home equity loan is a second mortgage that borrows money against the part of the home you’ve already paid for. This means if you can’t make your home equity loan payments, your home could be foreclosed upon. One Roof homeowners must follow the land lease terms outlined in Article 8.3 before pursuing a home equity loan. Generally, One Roof homeowners are not able to take out a home equity loan to pay college tuition/expenses, pay for a wedding, buy a car, get cash nor to consolidate and pay off high-interest debt due to the land lease agreement. If you need help with saving money for a purchase or paying off debt, contact Lutheran Social Services for free budget and debt management counseling to help prevent using high-interest debt in the future.  

12 E. 4TH STREET
DULUTH, MN 55805

Office Hours:
Monday-Thursday
8:00am-4:30pm*

*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

Email: info@1roofhousing.org

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Make Loan Payments

Payment Portal Access

To access the portal and submit your payment, visit the link below:
www.borrowersviewcentral.com

Company id:  NHSD
User id: 4 digit loan number
PIN: Last 4 digits of your SS#
Payment Options:  ACH/EFT only (Debit/Credit cards are not accepted)

If you need assistance or have questions about making a payment, please contact Angie: agarner@1roofhousing.org

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