Homeownership Resources

Community Homes Land Trust

Community Homes Land Trust

The Community Homes Land Trust provides affordable homes for income-qualifying neighbors while ensuring that those homes remain affordable – forever!

ICCF Community Homes established the Community Homes Land Trust (CHLT) in 2019 to create lasting opportunities for West Michigan neighbors to purchase safe and affordable homes for their families to grow and thrive in.

Our Land Trust utilizes a model of home and land ownership that has existed in the United States for over 50 years. When CHLT homebuyers purchase their homes, they agree to pass on the same opportunity they received to the next buyer—the chance to purchase a safe home at an affordable price. CHLT homeowners all understand that creating future opportunities for other neighbors is important for both those future owners and our community as a whole.

The CHLT is an independent, nonprofit corporation with its own board of directors made up of ICCF staff, CHLT homeowners, and local housing advocates.

You can learn all about our program by reviewing our Homebuyer and Homeowner Guide.

Who is Eligible?

The CHLT was created to serve neighbors here in the West Michigan Area. Eligible home buyers need to:

  • Be at least 18 years old
  • Be a first-time homebuyer
  • Meet the income guidelines (details in our Homebuyer and Homeowner Guide)
  • Have a Pre-approval Letter for a conventional loan
  • Submit a Completion Certificate for a HUD Certified homebuyer education course (due before the final purchase)

Dakota Riehl

Senior Real Estate Development Manager

Available Homes to Own

1011 Bemis St. SE
Grand Rapids, MI 49506

3 bed 1.5 bath $181,500 1300 sf

1003 Bemis St. SE
Grand Rapids, MI 49506

3 bed 1.5 bath $181,500 1300 sf

For Real Estate Agents

Referral Reward Program

Are you a real estate agent with a client who may be interested in the Community Homes Land Trust program? Check out our referral reward program.


How to Get Started


Submit a Complete CHLT Application

Interested buyers need to submit all required documents to be considered. Applications can submitted through our online form, emailed to [email protected], or hard copies can be picked up/dropped off at our office.

Online Application

Meet with a Housing Counselor

Once a complete application is received, buyers who appear to meet income guidelines will be scheduled for a final income verification meeting with a HUD Certified Housing Counselor in the order they were received.


Take a HUD Certified Introduction to Homeownership Class

Before being able to officially purchase the home, buyers will need to complete a HUD Certified Introduction to Homeownership course and submit a completion certificate. ICCF offers a variety of class options and our counselors can make recommendations of other programs, as well.

Introduction to Homeownership Class
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