Thank you for applying for an owner-occupied rehabilitation loan from One Roof Community Housing.  

This application is intended for current homeowners only.  If you have questions about or this program, please contact One Roof Community Housing at (218) 727-5372 or stop by the Central Hillside Community Center at 12 E. 4th Street, Duluth MN 55805.

Before you start filling it out, please gather the following documents so that you are well-prepared:

• Income documentation (paystubs, W-2 forms, etc)
  
• Current bank statements
  
• Your most recent federal tax return
  

Collecting all of this information before beginning the application should allow you to complete the forms quickly and easily.  However, if you need to, you can save the form at any time and resume it later.  Just click on the link at the top of the form "save this form and resume later," enter your email address, and create a password.  You will then receive an automatic email with a link that you can follow to resume the form. 

Please note that this is not a permanent User-ID so you will not be able to access your application after you submit it.  

Thank you and we look forward to working with you.

Please give employment information and list ALL sources of income expected for ALL household members over the next 12 months.  Give GROSS monthly amounts (the amount received before tax or deductions).  Include income from employment, child support, spousal support, pension, social security, disability, investment, assets, etc.  If necessary, click "Add Income Source" to create new fields.  

Please enter all numbers WITHOUT dollar signs.

Please enter all numbers WITHOUT dollar signs.

The Housing Resource Connection collects financial and demographic information about the families/individuals that apply for its programs.  This information is required to determine eligibility for our different programs and lending products.  The information is in turn shared with our funding partners to assist them in managing their programs. After we receive your application, you will be asked to sign a release that authorizes One Roof to share your information with the following funders: Minnesota Housing Finance Agency, Greater Minnesota Housing Finance Agency, NeighborWorks America and the Housing Resource Connection Partner Agencies.  

Financial information, such as credit reports, financial statements and net worth calculations, is classified as private data on individuals by Minnesota Statutes 462A.065.  You are not required to provide this information, but without it we will be unable to determine your eligibility and approve your application.  Certain individual demographic information, including but not limited to disability status, race, and ethnicity, is also private data and is being requested for the purpose of evaluating the effectiveness of the program(s) in achieving specific goal(s).  The information will be shared with our funders.  Where access to the data is authorized by state statute or federal law, it may be made available to others as so authorized.

By submitting this application, the applicant/household member(s) certify that all information in this application, and all information furnished in support of this application, is given for the purpose of participating in one or more of the Housing Resource Connections’ programs.  All information provided is true and complete to the best of my/our knowledge and belief. 

Please click the submit button only ONCE.  It may take a few moments to process.