One Roof Community Housing Repair and Remodel Loans

One Roof Community Housing is a non-profit organization, founded in 2012 by the merger of Northern Communities Land Trust and Neighborhood Housing Services. Its services range from affordable homeownership opportunities, homeownership counseling, home and rental rehab lending and down payment assistance, resources and support for positive tenant landlord relations, and a tool-lending library.

One Roof Community Housing is dedicated to providing affordable loan programs that make it possible for homeowners of any income level in Duluth and neighboring communities to purchase, renovate, or maintain a home. Staff can help determine which loans would be most useful and affordable for those interested.