We make home a better place - Surprise Story on Page 5 - One Roof Community Housing
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We make home a better place.
1ROOFHOUSING.ORG
2018
ANNUAL
REPORT
Surprise Story on Page 5
Enriching lives &
communities one
home at a time.
BOARD OF DIRECTORS
Jeanine Dahl
OUR MISSION
Enriching lives & communities one home at a time.
Troy Deadrick
Steve Decatur
Gary Eckenberg
Tokiwa Heger * OUR VISION
Jill Holmen * Communities where everyone has access to sustainable
Deneice Kramer * and affordable housing.
Luke Peterson
OUR VALUES
Robert Ryan
Mary Frances Skala
Tom Simonson Everyone deserves a home, everyone deserves choices.
Joel Tracey * We meet people where they are. We work hard to say yes.
Gwen Updegraff Whether that yes is finding the right referral, or helping people
to identify what the ‘right home’ is and what their options can be.
* Community Land Trust Homeowners We want to provide the opportunity for positive homeownership.
We know it can change lives and families. The market for
housing doesn’t always work for people and it especially doesn’t
NON-BOARD work for low income families and individuals. We feel honored
COMMITTEE MEMBERS that we have the opportunity to advocate for people. We offer
Ryan Jones-Casey education, services, housing, tools, and resources to people in our
Lori Moe community. We have become a trusted resource, not only to the
Michael Murray people and families that we serve, but also to our collaborators,
Tom O’Brien partners, and community. We work hard to sustain this confidence.
HISTORY
One Roof was founded in 2012 through the merger of
Neighborhood Housing Services (founded in 1983) and Northern
Design: Cassandra Houston
Communities Land Trust (founded in 1991). Together we offer
the community 60 years of experience in providing housing
services and building and sustaining affordable homes and
healthy neighborhoods.
2 We make home a better place.
From the Executive Director
good friend recently told me about
When the work feels hardest,
how David Axelrod had given President we focus on these impacts and
Obama a plaque for his desk early in his remember why this work needs doing:
presidency that said, “Hard things are hard.” • because people doing needed work in
our communities deserve to live in safe,
The words were reminders that the big tasks at hand were not going affordable homes
to be easy. Near the end of his second term, the President discussed • because all neighborhoods (and all people)
the usefulness of remembering that phrase and keeping perspective deserve investment and opportunities
on how difficult it can be to effect positive change when there are so to thrive
many puzzles that need solving. He expressed faith that there were • because it is wrong that in a country
more people trying to improve the world than people working against with so much wealth so many people
improvement. He said that we should be working on problems that are are homeless—especially veterans
very hard to fix. and children
• because we are called to make a positive
The past year at One Roof has been…wait for it…hard. But, when I really
difference in the lives of the people
think about it, many of the things One Roof does to make home a
we serve
better place are hard. Indeed, the things that have the most impact—
that make the most positive differences in the lives of the people we
serve—are often the hardest things we do. For example:
So, hard things are hard, and here at One
CHALLENGE: Securing a mortgage product (20 years ago) for buyers Roof they are also (more often than not)
of Community Land Trust homes our job. If it was easy to build affordable
IMPACT: Over 450 families who may not otherwise have the ability housing in Grand Marais, other developers
to achieve the dream of homeownership have purchased CLT homes would have done it. If it was easy to lend
money to people with low incomes to fix
CHALLENGE: Building CLT homes in Duluth neighborhoods where homes that are low in value, banks would
virtually no new homes had been built for decades do it. If it was easy to counsel people with
IMPACT: Construction of 50 new homes in core neighborhoods, bad credit and mediate tenant-landlord
creating homeownership opportunities for low-to-moderate income disputes, profit-centered firms would do it.
families and revitalizing neighborhoods
It is important that you know that we are
CHALLENGE: At the onset of the housing crash, making the process only able to do hard things because our
changes to stop new construction and focus only on buying funders, members, donors, sponsors,
foreclosed homes and partners believe in our mission
IMPACT: Rehabilitation of 130 foreclosed homes and subsequent and support our work. Thank you for
sales to families who needed a safe, affordable place to call home supporting our work. We could not do
when the housing market was especially hard for low-to-moderate it without you.
income families
CHALLENGE: Negotiations with difficult landlords to purchase
problem properties for transformation into affordable housing
IMPACT: Development of apartments for 16 homeless veterans and
50 homeless families with children through the transformation and Jeff Corey, Executive Director
development of Duluth Veteran’s Place and Steve O’Neil Apartments One Roof Community Housing
1ROOFHOUSING.ORG 3
Community Land Trust
PERMANENTLY PRESERVING COMMUNITY LAND TRUST HOMES
By Neighborhoods & Communities (as of 12/31/18)
THE AFFORDABILITY OF HOUSING 23 Lakeside 3 Morgan Park
ONE ROOF’S COMMUNITY LAND TRUST (CLT) 3 Woodland 42 Lincoln Park
PROGRAM began as Northern Communities Land
Trust. The program is a nationally recognized land trust 2 Hunter’s Park 85 West Duluth
serving four counties in the Arrowhead region. We build 14 Duluth Heights 13 Gary/New Duluth
new homes and rehab older homes using a model that
2 Congdon 2 Piedmont
permanently preserves the affordability of housing.
5 Endion 2 Hermantown
Qualified low and moderate-income homebuyers can
35 East Hillside 16 Proctor
purchase high quality homes at a significantly reduced
price. One Roof maintains ownership of the land, which 13 Central Hillside 6 Cloquet
homeowners lease for a small monthly fee. When 10 Observation Hill 5 Two Harbors
homeowners move, they agree to pass on the benefits
they received by selling their home below market
5 Riverside 4 Grand Marais
value to another income qualified buyer. Land Trust Total: 290 CLT Homes
homebuyers build equity and receive a share in the
appreciation of their homes when sold. The Land Trust
program currently has 290 single family homes. With
162 resales of those homes to date, 452 families have 2018 COMMUNITY LAND TRUST SALES
now benefited from affordable home ownership
through the CLT program over the last 20 years.
26 New Households
$764 Average Monthly CLT House Payment*
Average Percentage $101,500 Average CLT Home Listing Price
of Median Income
$140,000 Average Market Value of CLT Homes
65%
of Buyers
$39,949 Average Gross Income of CLT Homebuyers
65% Average % of Median Income of Buyers
* including principal, interest, taxes and insurance
452
Families
2018 COMMUNITY LAND TRUST DEMOGRAPHICS
33 Number of Adults
Served
42 Number of Children
13 (50%)
162
Single Female-Headed Household w Children
Total
Resales 10 (38%) Households of Color
4 We make home a better place.
ELIZABETH,
MEET
JULIAN & KORTEZ
POWERFUL STORIES OF HOME The home was
located in the very
Elizabeth allowed
neighborhood where us to document
AS A SINGLE MOM, Elizabeth works at a local salon
as a stylist. With a commission-based income, buying Elizabeth grew up. the moment she
Her parents and sisters
a home seemed out of reach. brought her sons
live close by. Her sons
Friends had told her about our Home Stretch classes would be attending the into their new home
and our Community Land Trust program. neighborhood school for the first time.
the coming year.
Elizabeth began her journey to become a homeowner Furthermore, since her grandmother recently passed
by attending one of our monthly Home Stretch away, Elizabeth and her mom are now her grandfather’s
workshops to learn about the home buying process primary care takers—and his home would be just a
from start-to-finish. couple blocks up the avenue from this home.
HOME STRETCH WORKSHOPS are designed to help The boys knew that their mom wanted to buy a
attendees become informed, prepared consumers. home. They had visited many open houses in the
Elizabeth also took advantage of the free counseling neighborhood with her during the year.
we offer to help her determine what she could afford,
take steps to improve her credit score, develop a EXCITED AND EAGER TO SIGN THE PURCHASE
budget, explore mortgage options, and create her AGREEMENT, Elizabeth did not tell her sons that
own “action plan” with specific, manageable steps. a home of their own had been purchased. Elizabeth
knew what the feelings of “home” would mean to
In the meantime, a condemned home in West Duluth her sons, and decided to surprise Julian and Kortez.
came into One Roof’s possession. As with many of We were allowed to document the moment she
the nearly 300 Community Land Trust homes in brought them into the house and were told that it
our community, the condemned house was soon was finally their home.
transformed into an affordable, energy efficient home
that will be permanently affordable for generations
to come.
This particular house had been badly damaged prior to
coming into our possession. We gutted the house and
renovated it with a new expanded kitchen including
all new appliances, new bathroom, new high efficient
gas furnace & gas water heater, new windows & doors,
refinished hardwood floors.
FINALLY, ELIZABETH’S HARD WORK PAID OFF.
Just as we were finishing the home, she secured a
mortgage from one of the many local banks that Watch the moment the boys
support our Community Land Trust homeowners. found out about their new home:
The timing could not have been better. The home bit.ly/New_Home_Surprise
was a perfect match for Elizabeth and her two sons.
1ROOFHOUSING.ORG 5
Education & Counseling
EDUCATION & COUNSELING
HOME STRETCH PARTNERS ONE ROOF BELIEVES HOMEOWNERSHIP IS A STABILIZING FACTOR
20/20 Home Inspections FOR FAMILIES AND NEIGHBORHOODS; we work to increase access by
Affinity Plus Federal Credit Union
educating aspiring buyers and helping them create a plan.
Arrowhead Abstract and Title Services
Homeownership education is the single most effective tool for achieving
Cover All Home Inspections successful homeownership. One Roof’s goal is to help individuals and
Edmunds Real Estate households become better informed and prepared consumers.
Farmer’s Insurance
Great Lakes Appraisals LLC One Roof offers monthly Home Stretch workshops that cover the entire
Hanlon & Associates Insurance Agency home-buying process with objective, practical information to help
MN Chippewa Tribe Finance Corporation hard working individuals and families to get on a successful path
North Shore Mortgage to homeownership.
North Shore Title
Home Stretch workshops help attendees:
Re/Max Results
• Determine their readiness to buy a home
Real Living Messina & Associates
State Farm Insurance • Understand credit and its impact on the home buying process
Superior Choice Credit Union • Decide what type of mortgage is best for their needs
U.S. Bank
• Select the right home
Wells Fargo Bank
• Understand the loan closing process
• Learn about local mortgage loan and down payment assistance programs
“Building assets through EDUCATION & COUNSELING CLIENTS SERVED IN 2018
homeownership is an 233 Households completed Home Stretch
effective tool in ending 189 New households participated in private Homebuyer Counseling
generational poverty, ONE ROOF’S HOME STRETCH WORKSHOPS include presentations
with direct connections by local industry professionals including local loan officers, Realtors, home
inspectors, closing agents and home insurance professionals. They help
to positive outcomes for prospective homeowners understand the roles and responsibilities that
lower income children.” local professionals bring to the home buying process. One Roof staff also
works privately and confidentially with home buying clients to provide
one-on-one counseling to help individuals and families achieve and
www.futureofchildren.org maintain homeownership.
6 We make home a better place.
MEET AMY
SANCTUARY, SAFETY & STABILITY
Amy is empowered and to have someone look over your
financial ‘mistakes’ and your
“It has brought me a
independent. Now she’s
a proud homeowner.
spending habits (skeletons in my
closet!). If I had a counselor who
sense of peace and
“After a separation with my
was shaming or judgmental about
my situation, I truly don’t think we
confidence that I didn’t
partner, my sons and I were facing
homelessness on top of the difficult
would be in our home right now.
know I was capable of
life changes that inevitably follow
a separation. I was overwhelmed
One Roof helped me and my boys
leave an unhealthy situation. They
experiencing. ”
and discouraged with the choices helped me become financially
in front of me. Could I qualify for a independent and trusting in my I could actually do this. And most
mortgage after a prior bankruptcy? own abilities. I now own a beautiful importantly, I left that appointment
Would I be able to find a safe and home and my sons have their own feeling that I deserved better than
affordable rental for me and my bedrooms for the very first time; what I was currently experiencing.
children to call home? Can I afford a place to be themselves. It has And that, to me, was everything.”
to do this alone as a single parent? brought me a sense of peace and
I turned to One Roof for help, confidence that I didn’t know I was
and I’m so glad that I did. capable of experiencing. We all do
better when we become educated
After meeting with homeownership
about our options; I believe
counselor Amanda Peterson at
everyone deserves to know this. We
One Roof, I was able to honestly
have the right to affordable and safe
sort through my finances and take
housing, and One Roof will provide
control of my spending and my
you with tangible steps on how to
debt in a way that I was never able
achieve that without judgement,
to before. I was building confidence
and with the encouragement and
about how to change my situation
understanding that’s so desperately
and leverage my finances into a
needed during the process.
healthier situation for my family.
Now I had hope. Amanda was The overwhelming sense of
incredibly encouraging and non- safety and stability my family now
judgmental about my bankruptcy, experiences has enriched every
debt and spending habits. In fact, aspect of our lives. Our home is
I think that may have been one of our sanctuary. And it all started
the most important highlights of my with a phone call. I left that first
experience with One Roof. It can be appointment feeling empowered
nerve wracking and embarrassing and strong. I left believing that
1ROOFHOUSING.ORG 7
Tenant Landlord Connection
EMPOWERING TENANTS AND LANDLORDS
PROGRAM GOALS
• Improving tenant/landlord
TO RESOLVE DISPUTES
relations in our community to THE TENANT LANDLORD CONNECTION (TLC) PROGRAM WAS
ensure stable rental housing. ESTABLISHED IN JULY 2015 through funding support from the
• Decreasing the number of City of Duluth, St. Louis County, Duluth Housing and Redevelopment
housing evictions in the City Authority, and the Ordean Foundation; and subsequently also
of Duluth and St. Louis County. funded by Northland Foundation, Duluth-Superior Area Community
Foundation, and Lloyd K. Johnson Foundation. The program provides
education, information, and problem solving* assistance to St. Louis
PROGRAM SERVICES
County based renters and landlords regarding their respective rights
• Ready-to-Rent workshops for and responsibilities.
tenants looking to establish or
rebuild a positive rental history.
• Landlord workshops on fair
housing laws, local government
ADDRESSING MARKET CHALLENGES
rules and requirements, Duluth’s rental market leaves many renters vulnerable to being forced
business fundamentals and to accept substandard housing conditions. Typically tenants pay
other common issues.
amounts for rent that they cannot afford. Many lose their housing before
• Education & counseling on the they are ready to move to a new apartment.
rights and responsibilities of
both tenants and landlords. Similarly, this same market challenges landlords who rent to tenants
• Mediation services to help with very low incomes, many of whom may not have yet developed
resolve tenant/landlord solid rental histories or life skills for being successful renters.
and neighbor-to-neighbor
disputes.* One Roof’s Tenant Landlord Connection (TLC) program was created as
a neutral resource to help address these challenges for both landlords
and tenants.
LANDLORDS SERVED IN 2018
individual
NUMBER OF RENTAL UNITS
property OWNED/MANAGED:
owners 75% company
property
managers
OWNERS VS 25%
MANAGERS
40% 16% 5% 5% 34%
# of units: 1–3 4–6 7–10 11–20 20+
8 We make home a better place.
2018 TLC Data & Demographics
61%
INCOME BREAKDOWN “Duluth’s rental
market leaves many
29% renters vulnerable
to being forced to
5% 5% % OF TENANTS accept substandard
$10,000
ANNUAL INCOME housing conditions.”
or less $10,000–
$20,000 $20,000–
$30,000
$30,000–
$50,000
TENANTS SERVED IN 2018
33%
29%
HOUSEHOLDS
42%
WITH A
DISABILITY
HOUSEHOLDS
HOUSEHOLDS WITH DEPENDENT
OF COLOR CHILDREN
INVESTING IN HOUSING STABILIZATION
Housing stabilization occurs any time problem solving assistance
32
EVICTIONS
or mediation is provided to the extent that the tenants and the landlords PREVENTED
are able to make the best decision they can given their relative
circumstances. The more that can be done farther upstream from
an actual eviction to stabilize the housing for the tenant population,
HOUSEHOLDS
the better off tenants, landlords, and the entire community are.
STABILIZED
172
*While the Tenant Landlord Connection program offers resources and services to help resolve
disputes, it does not offer legal advice or promise resolution.
1ROOFHOUSING.ORG 9
Single and Multi-Family Development
RESALE & RECYCLE NORDIC STAR DEVELOPMENT
While focus is often paid to the newest and latest In 2018, the City of Grand Marais saw four new
housing developments, one of the great benefits construction houses built and sold to local Grand
of the Community Land Trust (CLT) model is that it Marais residents through One Roof’s Community Land
continues to quietly create affordable homeownership Trust (CLT) program. The homes represent Phase I
opportunities year of a new housing development called Nordic Star.
One Roof is nearing after year through
resales of previously
Phase II for Nordic Star is already underway, with four
more homes completed at the end of 2018 and two
the development of developed CLT more homes planned to be built in 2019. The Nordic
homes. For once Star development was created to address the critical
its 300th home. a home enters the shortage of permanently affordable workforce housing
land trust, either in Grand Marais. The 10 single family homes will be
through new construction or acquisition-rehabilitation, sold at a combined discount of $300,000 below
it becomes exclusively available for purchase to low- market value.
moderate income households whenever it resells in The Nordic Star development is a partnership with
the future, through resale covenants in the land lease City of Grand Marais, Cook County, Cook County/Grand
agreement. One Roof is nearing the development of its Marais Economic Development Authority, Minnesota
300th home, something we will be celebrating in 2019. Housing Finance Agency, Greater Minnesota Housing
In addition to those 300 initial families served, we have Fund, Minnesota Department of Iron Range Resources
coordinated a total of 162 resales in our history. That and Rehabilitation, One Roof Community Housing,
means 162 additional families, above the 300, were and Odyssey Development.
able to buy an affordable home in their community.
That would never have happened without the land trust Households interested in purchasing one of the homes
model. 16 of those resales occurred in 2018, our most should contact Jim Philbin at One Roof Community
resales ever in a single year. Throughout our history, we Housing in Duluth at 218-249-0083, or by email at
have recycled nearly $10 million in subsidies through jphilbin@1roofhousing.org. Details about the homes
our resales, stewarding our community investment available for sale, and the CLT program, can be found
prudently, and ensuring that CLT homes will continue to on One Roof’s website (1roofhousing.org)
be affordable to the local workforce for years to come.
Left (2): Resale house and homebuyer Ilana Yokel
Below: Exterior of Nordic Star development home in Grand Marais
10 We make home a better place.Steve O’Neil Apartments
CURRENT DEVELOPMENT PROJECTS
Lutsen Apartments Brewery Creek Apartments and Acquisition-Rehab
One Roof began construction on 16 rental Decker Dwellings One Roof continues to transform
apartments in 4 buildings in Lutsen this One Roof had two near misses older, blighted homes in Duluth
summer. The project has tremendous in getting significant rental housing and surrounding communities into
support from local businesses, Cook projects in Duluth funded in 2018 as renovated, affordable Community Land
County, and the Cook County/Grand both projects scored high enough Trust homes. One Roof completed and
Marais Economic Development Authority to nearly receive funds. Had they sold 4 homes in 2018 and had 6
as well as from the Iron Range Resources been funded, the two projects would in progress at year end. To date, One
and Rehabilitation Board and the have pushed 92 units of housing into Roof has transformed 130 homes
Minnesota Department of Employment construction in 2019. One Roof will through acquisition-rehab efforts
and Economic Development. Intended to be reapplying for both projects in in the past 10 years.
supply affordable housing for permanent 2019 with increased confidence in
Cook County residents who work in the the projects being funded.
tourist industry, the project is slated to
be completed in spring of 2019.
A STORY OF SUPPORT has lived here his whole life and
is thriving in Head Start. She used
hard drugs for 12 years of her life,
In late 2013 after 4 years of
and today she is a recovering addict.
planning, fundraising, and project
She has been sober for years and
management, Steve O’Neil
has built amazing relationships
Apartments was opened in Duluth’s Community Steve O’Neil Apartments (SONA)
with both her neighbors and staff. in Duluth’s Hillside neighborhood
Hillside to provide housing and
She has been a friend, peer, and
services to 50 homeless families with
support for many of the other sat down with someone and fully
children. One Roof co-developed
mothers at SONA. She has always told her story and that it was a very
the project with Center City Housing
attended group and has really built freeing experience for her. That day
who now operates the building with
her support system here. Although I felt the whole group grow stronger.
CHUM providing services.
she has been sober for years, There were other moms in the room
What follows is a story that gives sobriety is an everyday battle. Some who are also in recovery, and it was
a glimpse of the difference the have heard bits and pieces of her amazing to see the connection and
project continues to make in the story, but when a mom asked her support that they gave each other.
lives of those who live there. recently about how she got past her
addiction, she felt comfortable and It showed the strength of
In Grow Up Group, we have a mom courageous enough to share her
that has been attending since the our community and the
whole story with the other moms.
beginning. She’s a huge part of There were tears, pain, and laughter support that we can give
our community at Steve O’Neil as she told her truth. She was so each other to ensure that
Apartments (SONA) and has had thankful and proud of herself for
ups and downs in her years here.
no one is ever truly alone.
sharing her story beginning to end
But she has progressed immensely. that she thanked the other mom for — Lee Stuart
She has a sweet 4 year old boy who asking. She said she hadn’t really CHUM Executive Director
1ROOFHOUSING.ORG 11One Roof Lending
One Roof offers RESOURCES FOR HOMEBUYERS,
a variety of loan HOMEOWNERS, AND LANDLORDS
products to assist AS A CERTIFIED COMMUNITY DEVELOPMENT FINANCIAL
INSTITUTION (CDFI), we provide affordable home improvement loan
homeowners of all options for owner-occupied and rental property owners at virtually any
income level. Our service area includes Duluth, Superior, Cloquet, Two
income levels to Harbors, Hermantown and Proctor. As an equal opportunity lender, One
repair and renovate Roof partners with the City of Duluth, the City of Superior, Essentia Health,
Minnesota Housing Finance Agency, NeighborWorks America and the U.S.
their homes. Department of the Treasury CDFI Fund to provide affordable credit and
financial services to homeowners and rental property owners who may be
underserved by mainstream commercial banks and lenders.
One Roof specializes in offering home renovation lending options for home
renovations for low and moderate income households, with terms that
are generally more flexible than industry standards. Homeowners and
landlords use One Roof loan products to improve their properties and
address emergency situations.
In 2018, One Roof’s Lending program closed 133 loans totaling
NMLS: 380490
$2,288,669.68. This was a record year for One Roof Lending. One Roof
lent out $1,300,030 in loans at-market-rate interest rates. And provided
$926,868.49 in forgivable loans, deferred 0% interest loans, or loans with
below-market-rate interest rates to individuals who could otherwise not
afford a paying loan at market rate.
2018 LENDING PROGRAM DETAILS
PURCHASE OWNER-OCCUPIED FORGIVABLE, DEFERRED,
ASSISTANCE REHABILITATION OR BELOW-MARKET-RATE
LOANS (PAL) LOANS INTEREST LOANS
22 LOANS | $469,915.00 111 LOANS | $1,756,983 $926,868.49
This loan program assists individuals Affordable home improvement loans One Roof provided $926,868.49 in either
in purchasing a home and eliminating to assist with projects such as building forgivable loans, deferred 0% interest
private mortgage insurance and allows a deck, upgrading a kitchen, or installing loans, or loans with below-market-rate
for the homeowner to build equity energy-efficient appliances or windows. interest rates.
more rapidly while having a slightly
lower monthly payment.
12 We make home a better place.MEET
SUE
A ROOF OVERHEAD the process and explained which
programs she would qualify for.
TOOL LENDING LIBRARY
One Roof manages a Community
While Sue was initially nervous
SUE IS A MOTHER OF THREE Tool Lending Library that is free
about reaching out to One Roof,
AND HAS LIVED IN HER HOME and open to all area residents.
once she made the call, it was “such
LOCATED IN SUPERIOR, The tool lending library includes
a great experience”—an experience
WISCONSIN FOR 25 YEARS. a variety of power and hand
in which she was treated with
tools for all types of home
Sue’s home had a very old roof and respect and not looked down upon
improvement projects & repairs,
two layers of shingles which were due to her inability to afford the roof
both indoors and out. The tools
covered with moss and were falling repair on her own.
and equipment are available
off the roof. Structurally the roof
Sue says that without to checkout, free of charge.
was not sound and was in jeopardy
of collapsing. Sue could not afford One Roof she “would More at 1RoofHousing.org/
to fix her roof and was informed by have been lost”. programs-services/tool-
her insurance company that she lending-library
“I didn’t have the income to
needed to make the repairs to keep
repair my roof.” Sue would highly
her roof from falling down and keep
recommend One Roof, sharing
her homeowners insurance.
“[One Roof] has changed my life.
Sue saw an ad for One Roof in the MY house is looking amazing!”
newspaper; however it took her When asked what home means
a few weeks to contact One Roof to Sue she replied with, “Home is
as she was concerned about her where there is
credit score and believed that it laughter and
would prevent her from obtaining love shared
by loved ones.
“Home is where
there is laughter
assistance in repairing her roof. Sue
called One Roof and worked with Home is always
safe and secure.”
Antonio who walked her through
Sue now has and love shared
by loved ones.
that for years
to come.
One Roof offers Home is always
a variety of
loan products safe and secure.”
to assist
homeowners
of all income levels to repair and
renovate their homes. Learn more
by visiting: www.1roofhousing.org/
programs-services/repair-remodel
1ROOFHOUSING.ORG 132018 Statement of Activities
REVENUE & EXPENSE STATEMENT
2018 2017
REVENUE AND SUPPORT
Unaudited Audited
Contributions – Individuals/Foundations/Corporations/Other ....................................... $909,459 235,059
Government Funding ....................................................................................................................................... 878,864 606,852
Grants for Loan Programs .............................................................................................................................. 674,736 100,162
Multi Family Developer Fee.............................................................................................................................. 32,742 407,687
Single Family Developer Fee .......................................................................................................................... 77,354 82,718
Real Estate Sales Commissions ................................................................................................................. 135,407 80,167
Land Lease Fees ................................................................................................................................................... 105,357 98,970
Lending Programs – Interest and Fee Income ................................................................................ 204,444 146,723
Special Event Income (net of expenses) ................................................................................................ 22,510 18,845
Multi-Family Project Income ......................................................................................................................... 123,337 134,075
Other Income ........................................................................................................................................................... 53,869 46,249
Land Cost Capitalized ...................................................................................................................................... 242,600 88,500
Total Revenue and Support .................................................................................................................... 3,460,680 2,046,007
EXPENSES
Salaries, Payroll Taxes & Benefits .......................................................................................................... 1,276,972 1,249,080
Accounting, Legal & Consulting Fees ....................................................................................................... 38,372 49,129
Office, Occupancy & Administrative Expenses ................................................................................. 188,589 149,412
Depreciation ............................................................................................................................................................... 44,118 46,776
Travel & Training ...................................................................................................................................................... 27,841 23,070
Homeowner Support ........................................................................................................................................... 48,020 39,684
Marketing ..................................................................................................................................................................... 28,156 32,281
Bad Debt Expense ....................................................................................................................................................... 667 -
Single Family Project Expenses & Resale Expenses ................................................................... 266,676 71,608
Multi-Family Project Expenses .................................................................................................................. 880,074 142,314
Interest, Bank Fees & Charges .................................................................................................................... 100,001 87,295
Other Expenses .......................................................................................................................................................... 7,840 19,346
Total Expenses ................................................................................................................................................. 2,907,324 1,909,995
Change in Net Assets ................................................................................................................................ $ (553,356) $ (136,012)
Note: Statement of Activities is for One Roof Community Housing only and does not include the Common Ground subsidiary.
LENDING & FUNDING PARTNERS
City of Duluth Essentia Health NE MN HOME Consortium
City of Duluth CDBG Fund Essentia Health Foundation Northland Foundation
City of Duluth HOME Program Federal Home Loan Bank North Shore Bank of Commerce
City of Superior CDBG Fund Fond du Lac Band of Lake Superior Ordean Foundation
Cook County/Grand Marais Economic Chippewa Propel Nonprofits
Development Authority Greater Minnesota Housing Fund St. Louis County
Department of Housing & Urban Lloyd K. Johnson Foundation St. Louis County HRA
Development (HUD) Midwest Minnesota Community St. Louis County CDBG
Department of US Treasury Development Corporation
– Community Development Financial U.S. Bank Foundation
Minnesota Homeownership Center
Institution Fund U.S. Department of the Treasury
Minnesota Housing Finance Agency CDFI Fund
Duluth Housing and Redevelopment
Authority NeighborWorks America Wells Fargo Foundation
Duluth LISC NeighborWorks Capital
14 We make home a better place.Our Community of Supporters
MEMBERS* Jennifer and Nicholas Chebor Rolf Flaig
Michael Adamski Faith Claflin Daniel and Kathy Flicek
Michael Albinger Cheryl Clement Chris Flood and Jennifer Leonard
Rebecca and Mark Alsum Cynthia Close Erika Fogtiene
Karen and Royal Alworth Natasha and Kristofor Cloud Charlotte Frantz
Alyssa Amys Donna Colborn Marge Fraser
Keith Anderson Michelle Collelo Ruth and Harold Frederick
Paul and Carol Anderson Jesse Connor and Allison Beltt Peter Wodrich and Debbie Freedman
Heather Anderson Jennifer Cook Jeffrey and Susan Frey
Holly Anderson Naomi Cooper Dale and Sarah Fritzinger
Lori Anderson Lee and MaryLee Corey Dick and Ann Fryberger
Diane Anderson Jeffrey Corey and Michele Flatau Jason and Erin Fure
Susan Anderson Theresa Coyle Stephanie Gargano
Molly Anderson Ruth Cpin Chris Garner
Marva Jean Anderson Elliott Crompton Robert Gentry
Keely Anderson and Nathan Tanui Jim Croud Dr. Michael Gibbons
Charles and Karen Andresen Tony and Erin Cuneo Ms. Judy Gibbs
Bridgette Angelos Jeanine Dahl Lisa Gilbert
Allan Apter and Brenda Ion Theresa Dahlheimer Elizabeth Glesner
Kirsten Aune Mark Danielson and Theresa Smith Robert Golla
Charles and Judyth Babst Alan Dartanyan Julie Gontjes
Virginia (Jenny) Ballew Brooke Davis Naomi Gordon
The Reverend Dr. David Tim and Katie Dawson Boris Goritchan
and Mrs. Julie Bard Steve and Mary Decatur Angela Graber
Lori and Karen Bauman Kraig Decker Cynthia Graves
Anne Beauchamp Ryan and Brooke Defoe Amanda Greenwood
Shawne Bellmore Bonnie Delich Paul and Patti Griffin
Jayme Bennett Stacy Disch Mary Guite
Elizabeth Bergeson June Diver and Arturo Melero Lacy Habdas
Mary Bernard Steven Dixon Nicole Hadding
Debbie Bernick Kathy Dockter Karin Haidos
Tom Bester Lita and Brian Doesken Cindy Hale and Jeff Hall
Robert and Amanda Bishop Bonnie Dominguez Jamie Halverson
Jayson Bixler Misty Douglas Sharon Hammarlund
Jenifer Blazier Michaelle Douglas Peter Handberg
Carla Blumberg Stephen and Peggy Downing Terry Hanna
Debbie and Michael Bolen Ms. Janet Draper Cindy and Ted Hansen
Christopher Bonneville Lester and Rose Drewes Patrick Hanson
Ben and Mary Boo Chris Drovdal and Sandy Nelson Bill Hardesty and Georgette Sarkela
Sarah Bourcy Steve and Krista Duncan Maureen Hardy
Melissa Boyle and Jen Stenersen Martha Eberhart-Galinski Beverly J. Harries
Brenda and Rob Brannon Michael Ebnet Susan Hartman
Leah Breidenbach and Sergei Fuchs Gary and Barb Eckenberg Mr. Joseph Harvey
Jane Brenny Lindberg and Tracy Ekola Kyle Hauff and Cherry Dietzmann
Amy Brooks April Ellingsen Emily and Tim Haussner
Theresa Bunnell Jessica Ellingson Amanda and Ian Heaslip
Marliss Burnett Joanne and Thomas Ellison Margaret Heaslip
Bill and Pat Burns Elizabeth Erickson Howard and Bonnie Gay Hedstrom
Dean and Becky Caldwell-Tautges Benjamin and Ashley Evans Tokiwa Heger
David and Jessica Caligiuri Arthur Eytchison Steve Heikkila
Liz Carlson Jennifer Faint Robert and Joyce Hickman
Michael and Tabatha Carlson Daniel Farley Jill Holmen
Mikilia Carroll Charlee Fillman Timothy and Beth Holst
1ROOFHOUSING.ORG 15Our Community of Supporters MEMBERS* (cont’d) Denise and Peter Kreminski Cristiano Migliore Nathan and Sarah Holst John Kromm and Katelyn Mann Michael and Elaine Miller John Horrigan and Marilyn Lading Sarah Krueger Scott Miller and Virginia Fair Jason and Andrea Houle Joseph Kruse Jim and Diane Miner Mary Ann Lucas Houx Heather Kuhne John and Judy Miner and Oliver Houx Mandy Kvistad and Jason Nordberg Barbara Miron Carl and Catherine Huber Koresh and Jill Lakhan Karin Mobilia Gloria Piche and David Hutchinson Barbara Lambrecht Preston Modeen Mary Immerfall and James April and Dave Lane George and Pat Montgomery Patrick Cross Amanda Larcher-Ayers Charles and Diana Moore Julie Jago Dick and Connie Larson Thomas Morgan Amy Johannesson Andrew and Lisa Larson Chelsea Morgan Brandon Johnson Kathy LaTour Anja Morris Don and Laviere Johnson Tamara Lee Loretta Mullen Pamela Beth Johnson Richard and Bridget Leighton Brian and Shelley Murphy Mandi Johnson Sarah Leininger Janell Murray Gunnar Johnson Lisa Lekse Heather Mutchler Lindsey Johnson Jessica Leonzal and Yikron Robinson Kady Myer Joseph B. Johnson, III Madison Lindquist Kimberly Myers and Jake Arola Angela Johnson-Ormsby and Christopher Lindstrom Tammy Nadeau Kenneth Ormsby Johnathan Linge and Molly Smith Corissa Nagle Tiffany Joki Debra and Thomas Livingston Charles and Susan Nelson Paul Jonas Gina Loisel Trent and Shiloh Nelson Alyssa Jones Cal and Amy Loken Mary and Jay Newcomb Heather Jubie-Switzer Wendy Lucia Ina Newton Char Juntunen Dave Luckstein May and Vern Nordling Tyler and Kyra Jusczak Kim Luedtke and Maureen Sholly Lezlie and Bradley Oachs Laura Kay Laura Lundin Amanda Olsen Meg Kearns Dawn Lyons Savanna Olson Mark and Ashley Kedrowski Amanda MacDonald Betty Opland Michael and Jacqueline Kedrowski Jennifer MacDonald Misty and Cody Osborne Betty Keeney Matthew MacDonald Bradley Owens and Kelly Tuve Carol and Bob Kelley Amy Machmer and Douglas Patnaude Christopher Pascone Ann Marie Kelley Lynn MacLean and Dave Updegraff and Inna Korablina Gale and Jeri Kerns Dr. Mike and Marta Maddy Lynsi Passeri Emily Kettleson Jason Madison Lacie Patterson Michael Khalar Jennifer Maki Jennifer Patterson Jackie Kilby Glenn Maloney Wanda Pearcy Paul and Becky Kilgore Mary Jane Manion Laura Pearson Jean Kilgour Jean and William Marquette Bret Pence and Laura Delaney-Pence George and Jane Killough Ann Mars Ethan Perry and Meredith Cornett Faith King Linda Marsh Mary Peterman Melissa King Holly Marshall Bob and Sue Peters Melissa D. King Travis McClimek Jerrold and Carol Peterson Rick and Mary Klun Lisa McKhann and Peter Krieger Jasmine and Drew Peterson Emily Kniskern Daniel and Teresa McKillop Jim and Margo Philbin Amy Kokotovich Denise McNeil Amy Phillipich Paul and Kim Kosmatka Susan and Steve McNeill Jacqueline Phillips Aurora Kothe Rob McCleary and Teresa McNelly Crystal and Andy Phillips Richard Kowal Karen Mehelich Tim and Bronwynn Pichetti Ashley Krall Robert and Diane Meierhoff Diane Pierce Deneice and George Kramer Blake and Alyssa Melin Martin Ploski and Rose Schadewald Pam Kramer and Grey Doffin Susan Meyer Molly Plumb 16 We make home a better place.
Craig and Tina Podemski Polly Seymour Tamatha Tracey
David J. and Marcia A. Podratz Mercedes Sheard and Joel Tracey
Steven Pohl Jonathan Halverson Kimberly Traen
Dr. Robert and Linda Powless Andrea Shogren Lori Tremble
Laura Prasek Jane and Gene Shull Sharon Tucker
Therese Presley and Thomas Betts Rich Sill Shannon and Nicholas Turinetti
Tasha Prickett Patty Simmons Paul and Joyce Turkall
Jody Purrington Robert Simmons and Robert and Lorraine Turner
Sarah and Justin Quetico Michelle Holschuh Simmons Dan Uhlenkott
Pamela Randall Will and Dory Sjoblom Ann Glumac and William Ulland
Suzanne and Brian Rauvola Mary Frances Skala and David Ulvestad
Daniel G. Kaminski
Lindsey and Peter Ravinski Gwen Updegraff
Patricia and Louis Skarda
Eric Reed Dana and Scott Varland
Dan and Rosey Skorich
Colin and Julie Reichhoff Erin Vatne
Lina Sminesvik
Julie and Jeff Reinemann Patti Villars
Agne Smith
Hugh Renier and Kristine Fossum Jean Vincent
Krista Smith
JP and Misty Rennquist Marianna Vincent
Glen Snyder
Gregory Repensky Gail Volkman
Janelle Soderlind
Miranda Reynolds Kathryn Waggoner
Tamera Solomon
Natalie Rich Sharon and Bob Wahman
Jeffrey and Kari Speer
Thomas and Ann Rider Michele Wallerstein
Jeri Speich
Tracey Riles Kim Walli
Melissa and Gerard Spoelhof
Max Ripley Rodney Walli and Ann Markusen
Hayley Spohn
Meghan Robertson and Jean Buboltz Walsh and Kevin Walsh
Benjamin Smolnikar Steve and Kim Squillace
Linda Ward
Andre Robinson Chris St. Germaine
David and Cynthia Watson
Mary Roe Tara St. Marie
Andre Watt
David Rogotzke Rebecca Starks
Jennifer Watters
Meredith and Noah Romanini Melissa Starr
John Webb
Karrie Ross Kayli Staubus
Rich Weber
Sheryl Rouse Kayla and Steven Stauffer
Jane Wedin
Daniel Duffy and Larissa Ruhman James and Judith Stewart
Amy and Tavis Westbrook
Julius and Isaiah Salinas Teri Stoddard
Caitlin White
Trista and Michael Santangelo Jamie Strand
Valerie Whitebird
Sansanee Santisukwongchote Logan and Johannah Strandjord
Kevin Willemarck
Jackie Sathers Annette Strom
Stephanie Williams
Julie Sathers Constance Strong
Jill Winkler
Mary Savolainen Brandon and Megan Strowbridge
Ben and Barry Wolfe
Alexis Scarbrough Kristin Stuchis and Michael Gabler
Kirby and Cathleen Wood
Anthony and Carrie Schaefer Jerry and Rebecca Sundquist
Keely and Kyle Wordelman
Anne Schepers Kathleen Sunnafrank
Ricky Worley and Denise Tarrant
Tawna Schilling Joanna Swanson
Ilana Yokel
Michael Schmidt Claryce Swensen
Jill Ziemski
William and Serenity Schoonover Tara Swenson
Fred and Jan Schroeder Terese Taly
DONORS
Brian Schultz Mary Tanner
Winfried and Ann Baur
Susan Schwanekamp Alex Tessier
Larry Bigelbach
Mollie Sebok Dung and Michael Thach
Bob and Sue Brown
Lori Seele Carol Thibault
Ms. Joanne Camelon
Glenn Paulick and Gary and Catherine Tonkin
Patricia Campanaro
Linda Seger Paulick Kristy and Garrett Torgerson
Holly Church and Mike Grossman
Julie and Thomas Seidelmann Jim and Peggy Torrence
Thomas and Carlyle Conrad
Robert and Marree Seitz Rochelle Townsend and John Schmidt
Linda Deneen and Gary Shute
1ROOFHOUSING.ORG 17Our Community of Supporters
ONE ROOF STAFF DONORS (cont’d) CW Technology
Jeff Corey Mark and Joy Dey DECC - Duluth Entertainment
Mr. Joe Everett & Convention Center
Executive Director
Pat Flattery Duluth Superior Friends Meeting
Jim Philbin Judy Granmo Brett Granmo Earth Rider Brewery
Community Land Trust Director Jennifer Horst Economy Garages USA
Ruth Johnson Fitger’s Wine Cellars
Annie Saboe
Mr. Gordon Levine Frerichs Construction
Administrative Director
Susan and Kyosti Lindgren GiveMN
Jackie Kemp Don and Judy Maxa Grandma’s Restaurant Company
Education & Counseling Director Jessica Olson Hanft Fride PA
Glenn and Erna Peterson Hanlon and Associates LLC
Noah Hobbs
Richard Petersson Hoops Brewing Co.
Lending Director
Joseph and Catherine Roby Johnson, Killen & Seiler, P.A.
Julie Petrusha Mark and Nancy Rubin Johnson Insurance Consultants
Housing Development Coordinator Thomas and Sara Simonson JS Print Group
Mr. James Spreitzer Lake Avenue Restaurant & Bar
Steve Lucia
Kenneth and Emily Steil Lake Superior Brewing Co.
Finance Project Coordinator
Paul Steklenski and Linda Kalweit Ledge Rock Grille
Gloria Moen Bruce and Katherine Stender Lee’s Pizza
Lending Coordinator Marshall Stenersen LHB, Inc.
Carolyn Sundquist Liberation Bakery
Amanda Rae Peterson
Abby Tofte and Sam Hedstrom Members Cooperative Credit Union
Homebuyer Education & Counseling
Elaine Wickstrom Minnesota Power
Coordinator National Bank of Commerce
Geof and Gudrun Witrak
Katie Seipel-Anderson Natural Investments, LLC
Community Land Trust Coordinator BUSINESSES & ORGANIZATIONS New Scenic Café
Achieve Physical Therapy Northern Waters Smokehaus
Angie Garner
Affinity Plus Federal Credit Union North Point Realty
Finance Associate – Lending North Shore Bank of Commerce
Alerus
Zach Wittrock Amazon Smile Odyssey Development
Data Management Associate Apter Family Fund: Duluth-Superior Peace United Church of Christ
Area Community Foundation Positively 3rd Street Bakery
Teri Carlson
Arrowhead Abstract & Title RE/MAX Results
Tenant LandLord Connection Associate Reliable Insurance Agency
At Sara’s Table Chester Creek Café
Jamie Simonette Bellisio’s Italian Restaurant Republic Bank
Administrative Associate & Wine Bar Sheraton Duluth Hotel Restaurant 301
Benedictine Sisters Superior Choice Credit Union
Michael Tegethoff - St. Scholastica Monastery Twin Ports Paper & Supply
Housing Rehab Associate Bent Paddle Brewery Unitarian Universalist Congregation
Amanda Buskohl Blacklist Artisan Ales of Duluth
Finance Associate – Administrative Bluefin Bay Family of Resorts Valentini’s Vicino Lago
Blue Heron Trading Co Verso Corporation
Antonio Carter Bonneville Concrete and Vikre Distillery
Lending Administrative Assistant Foam Services Wagner Zaun Architecture
Castle Danger Brewery White Winter Winery
Catholic Community Foundation Whole Foods Co-op
Clyde Restaurant & Bar Young & Associates Agency
* Members contribute annual membership dues and have the right to vote at organizational meetings.
** Name not listed? Not correct? We apologize. Please let us know. Call 218-249-0082.
18 We make home a better place.Common Ground Construction
BOARD OF DIRECTORS
Jeff Corey
Lynn Marie Nephew
Luke Peterson
Bob Ryan
COMMON GROUND CONSTRUCTION
Common Ground Construction was created in 2004 as a wholly
owned subsidiary construction company and social enterprise
of One Roof Community Housing.
The company completes the construction and remodel
activities on the majority of One Roof’s affordable, owner- BEFORE
occupied Community Land Trust
“Common Ground is (CLT) homes. In addition, Common
Ground completes work for private
comprised of a very homeowners and small businesses
on projects such as: kitchen &
talented group of bathroom remodels, remodeling
office spaces, insurance claim work,
individuals who take radon mitigation, window
pride in their work and door replacements, and energy
improvements. For a free estimate,
and community.” call (218) 740-3666.
Common Ground is comprised of
a very talented group of individuals who take pride in their work
and community. Its vision is to be the premier social enterprise
AFTER
construction company. A social enterprise is an organization
that applies commercial strategies to maximize improvements
in human and environmental well-being. Common Ground
Construction shares their success with their parent organization,
One Roof Community Housing.
For more information check us out on facebook at facebook. Before and After photos of a bathroom remodel
by Common Ground Construction. For a free
com/commongroundconst or CommonGroundDuluth.com estimate, call (218) 740-3666.
1ROOFHOUSING.ORG 19We make home a better place.
Watch the video at bit.ly/cltstory
GET INVOLVED
SUPPORT ONE ROOF
Community support
helps One Roof leverage
significant public, private and
foundation resources. Visit:
1RoofHousing.org/support-
one-roof to learn about the
many ways you can help.
ANNUAL MEETING & RAISE JONATHAN & MOLLY’S
THE ROOF CELEBRATION
You’re invited to One Roof
COMMUNITY LAND TRUST STORY
Video published on YouTube Nov 11, 2013
Community Housing’s 2019
Annual Meeting & Raise the
Roof Celebration! Join us One Roof helps hardworking families achieve the dream
at Clyde Iron Event Center of homeownership—Jonathan and Molly's story is just
Friday, April 26 at 5:30. one example. We wanted to share a comment from their
Register free online and daughter, Lily, 8 years after we helped them purchase their
be entered for a chance home. Her words are a powerful example of the long term
to win door prizes: bit.ly/ impact our services have on families:
RegisterRTR
Visit 1RoofHousing.org to Lily Smith February 12, 2019
learn more about this fun “That’s my Dad! Here’s a little update on our life about 8 years
annual event. later! My older brother is almost 18 years old gonna move out
to college. My brother Jonah he is turning 14 this year in August
of 2019. Me Lily the little girl in this video is still in her own room
which is me lol and I am turning 12 years old as of April 2019. I
am also at this age in 6th grade I’m invited to a older basketball
camp!And my little brother Luke he is turning 11 years old as of
June 2019. We also have two new additions of the family one of
them is Bella she was born in December of 2014 so she is going
to preschool this year! She also loves soccer and basketball!
And in 2018 December our new little girl named Isla it’s the start
of island and it sounds like the start of Iloveyou. Also my Mom
is currently a wonderful mom all my life and always will be. And
12 East 4th Street my Dad is an awesome more then the galaxy the best dad ever.
Duluth, MN 55805 I can’t tell you how much I love this house and my family! Oh
and I almost forgot about my dog! My little dog named Lizzy
is currently 8 years of age in dog years she’s 56. My family by
the way is all about basketball everybody in my family plays
basketball! We are a basketball family! Thank you 1 roof for
making my life the best life I could ask for!”
1ROOFHOUSING.ORGYou can also read
