One Roof Community Housing - Community Land Trust Application

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1RF HeaderApplication Disclaimer: Our online application is the primary way to access services at One Roof Community Housing; there are required fields that must be completed in order to submit your application online. You are not required to supply any information online to receive assistance from One Roof, but please know that the services we are able to provide may be limited based on the information you are willing to share. If you have any difficulty completing the online application or would like to make a request for an alternative format please call our office at (218-727-5372).

Please note: We CANNOT accept applications for Downpayment Assistance until the applicant has entered into a Purchase Agreement.  I you have not signed a Purchase Agreement, please UNCHECK the box above so that you do not apply for Downpayment Assistance.  For more information please call our office @ (218) 727-5372.  

Please note: Home Stretch certification is a requirement for downpayment assistance.  You can still apply now, but for more information please visit the "Find a Home" section of our website at  You can apply for One Roof Community Housing's Home Stretch class right now by checking the box for "Homebuyer Education or Counseling" in the question above: "For which program(s) are you applying?" 

Main Applicant's Info

Enter '1' if no middle initial.

e.g. 03/02/1980

Please type addresses in this format: e.g. 1092 E. 8th Str.

Please enter a valid email address.  If you do not have one, please enter "".  Please note that Homestretch class registrations will be confirmed by email whenever possible.

Because you have indicated that you are married or in a domestic partnership, you will need to provide information about your partner (so please indicate yes for there being a Co-Applicant below so we have their contact information as well).

Co-Applicant's Info

Enter '1' if no middle initial.

e.g. 03/02/1980

Funding Partner Questions
We are asking the following questions due to funder eligibility requirements.  Some of our funding partners require us to report the following information if it is available, in which case it may allow us to serve additional households.

Other Household Members

If you have additional household members, please enter their information here.  Click "Add another person" to create more fields.

e.g. 01/09/2001

e.g. 01/09/2001

e.g. 01/09/2001

e.g. 01/09/2001

e.g. 01/09/2001

e.g. 01/09/2001

e.g. 01/09/2001

e.g. 01/09/2001

Income and Employment Information

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. 


e.g. 02/07/2006


e.g. 02/07/2006

Other Household Members

Debt Information

Please list ALL current loans and debts for the Applicant and Co-Applicant.  Include mortgages, contracts for deed, rehabilitation loans, personal loans, child support, spousal support, installment accounts, revolving charge accounts, school loans, car loans, credit card debt, etc.  Click "Add Debt Source" to create new fields.

Applicant's Debts

Co-Applicant's Debts

Home Stretch class date(s)

For a list of scheduled Home Stretch classes, please download the brochure from our website here:  Home Stretch Schedule.  Please note that most classes occur over several evenings.  

e.g. 02/09/2013
Housing History

e.g. 07/01/2013

e.g. 07/03/1989

To select multiple neighborhoods, hold the "CTRL" key (PC) or the "Command" key (Mac) while you click.

e.g. 03/09/1979

You may qualify as a first-generation homebuyer if you and your parent(s) or legal guardian(s):
•    Have never owned their primary residence (in any country)
•    Owned a home but lost it due to foreclosure

Property History

Please type the address in this format: e.g. 1092 E. 8th Str.

e.g. 5.1

e.g. 01/01/2013
Purchase Contacts

Combined Funder Tennessen Warning , Privacy Act Notice and Applicant Certification

One Roof Community Housing collects financial and demographic information about the families/individuals that apply for its programs.  This information is legally 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, St. Louis County, Federal Home Loan Bank of Des Moines, City of Duluth, and Local Initiatives Support Corporation.  Your signature will also authorize the following mortgage lenders to provide copies of borrower documents to One Roof connected with the purchase transaction: US Bank, North Shore Bank of Commerce, Wells Fargo, and Northern Communities Credit Union. 

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 only when required to do their jobs.  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 One Roof Community Housing's 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.