Learn more about programs available through 1Roof!

1Roof Community Housing’s mission is to strengthen the foundation of our communities by providing housing services and building and sustaining affordable homes and healthy neighborhoods.

1Roof's Programs

Formed by the merger of Northern Communities Land Trust and Neighborhood Housing Services, One Roof is here to make home a better place. Here are our programs:

Home Buyer Education
Our monthly in-person Home Stretch workshops cover the home buying process from start-to-finish, and are designed to help you become an informed, prepared consumer. Home Stretch offers objective, practical information to help you get on the path to homeownership. Our in-person workshop also utilizes the current knowledge of local industry professionals with guest speakers including local loan officers, realtors, home inspectors, closing agents and home insurance professionals.

Home Buyer Counseling
Not sure what YOUR next steps should be? Wondering if you might qualify for any down payment or first-time home buyer programs? One Roof Housing Counselors offer FREE private & confidential one-on-one professional advice to help you achieve your dream of homeownership. 

One Roof Housing Counselors will work with you.

Downpayment Assistance
One Roof provides down payment and closing cost assistance for income eligible households purchasing within the Duluth city limits.Down payment and closing cost assistance comes in the form of a 0%, 30-year deferred loan, due on sale or refinance, or if the home ceases to be the owners primary residence. The amount of the assistance is determined by need on a case-by-case basis, starting at $500 with the potential to increase up to $2000.

Community Land Trust Program
Lower income home-buyers can purchase Land Trust homes for a significantly reduced price. In exchange for this assistance, One Roof Community Housing maintains ownership of the land, which homeowners lease for a small fee. When homeowners move, they agree to pass on the benefits they received by selling their home below market price to another income-qualified buyer. When Land Trust homeowners sell their homes they receive the amount they originally paid for the house, plus twenty-five percent of how much the property (house and land) appreciated in value. That new amount is what the next buyer pays for the house and the leasehold interest in the land.

Owner-Occupied Rehabilitation Loans

One Roof Community Housing has loan programs for home improvement for virtually any income level. We serve the City of Duluth and the surrounding vicinity. Here is a list of single-family owner-occupied (owner-occupied 1-4 unit rentals properties too!) rehabilitation programs we offer:

· One Roof Revolving Loan Fund (RLF)

· Fix-up Fund and Community Fix-up Fund

· MHFA Rehabilitation Loan Program

· MHFA Emergency and Accessibility Loan Program

Rental Rehabilitation Loans

One Roof Community Housing has loan programs for single and multi-family rental properties in Duluth only. We meet with each applicant and find the program that works best for them, and strive to provide the most affordable payment options.

We are one of the five partner organizations that make up the Housing Resource Connection (HRC). As part of the HRC, we work with other agencies to ensure the most cost effective and comprehensive rental rehabilitation project that we can. Other HRC partners include the City of Duluth, the Duluth Housing and Redevelopment Authority (HRA), Ecolibrium3, and the Arrowhead Economic Opportunity Agency (AEOA).

Who We Serve

1Roof serves all sorts of homeowners and potential homeowners in the Duluth area--whether you are interested in buying a house for the first time but don't know where to start, or you're looking for home or rental improvement loans. Some services are only available to income-qualifying individuals or households.

1Roof Community Housing

Office Hours: Monday-Thursday 8:00am-4:30 pm, and Friday 8:00am-noon
12 East 4th Street
Duluth, MN 55805
Phone: 218-727-5372
Fax: 218-727-9368


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