Homeowner Resources

Capital Improvement Policy – PDF

Contact elizabeth@rondoclt.org or (651)-333-1590 to let Rondo CLT know if you are interested in performing qualified capital improvements on your home.

After your initial rehab is completed by Rondo CLT (6-8 months post-close), you may have other rehab needs. 

Here are some resources available to Rondo CLT homeowners:

• Dayton’s Bluff Neighborhood Housing Services: Saint Paul-based organization that supports homeowners and homebuyers through education, counseling, and home repair resources like their revolving low-interest loan fund
• Minnesota Housing Fix Up Loan: A low-interest loan program that helps eligible homeowners finance home repairs, improvements, and energy efficiency upgrades
• City of Saint Paul Healthy Homes and Power of Home Programs: City of Saint Paul programs that help eligible homeowners make health, safety, and energy efficiency improvements to their homes
• Rebuilding Together Minnesota Home Repair Program: provides sub-contractor-delivered repair or replacement of essential systems that are critical to healthy, livable homes.
• NeighborWorks Home Partners: Has a variety of programs available for homeowners throughout Minnesota.

Resale Policy- PDF

Contact Housing & Engagement Advisor elizabeth@rondoclt.org or (651)333-1590 to start the resale process. 

Process

1. Contact Rondo CLT to initiate the resale process
2. Homeowner orders an appraisal
3. Appraiser sends appraisal to Rondo CLT
4. Rondo CLT will prepare resale calculations and estimated net proceeds
5. Review documents with Homeowner and Rondo CLT to review documents needed to list house for sale.

Contact Housing & Engagement Advisor elizabeth@rondoclt.org or (651)-333-1590 to talk through refinancing options.

Note: Refinancing your first mortgage will typically trigger the immediate full repayment of your down payment assistance loan unless you apply and qualify for a formal subordinate agreement to keep the assistance in place. In some cases, the loan does not have be repaid after a certain amount of time. For example, Minnesota Housing Finance Agency (MHFA) Deferred Payment Loans are forgivable after 30 years.

Tools & Classes

• Minnesota Tool Library- A cooperative, volunteer driven way to share tools and trade skills, and shop space. Offers tool lending library, workshop space, tool and project advice, and DIY classes.
• Home Depot Tool Rental – Rent tools and products, and find free workshops & classes

Home Improvement

• Habitat for Humanity ReStore – Find new and gently used home improvement products, furniture, and building materials
• University of Minnesota ReUse Program – Usable surplus items from over 250 University of Minnesota buildings. This is a great place to shop, and you can also recycle unwanted steel, aluminum, wood, and cardboard & paper

Property Taxes

You can view your property taxes anytime online using Ramsey County’s Tax Assessor Property Lookup

PID: Your Property Identification Number (PID) links your home to county and tax records. You’ll need it when calling about taxes, homestead status, or assessments

Proposed vs. Actual Taxes: The proposed notice is a preview of potential taxes and not a bill. The actual tax bill reflects finalized levies, local budgets, and any special assessments.

How to Contest your Valuation: If your assessed value seems too high or low, you can appeal. Start by contacting the county assessor, gathering comparable home sales, and filing early.

25% Property Tax Reduction: A benefit available to land trust homeowners. This reduction requires an annual re-certification. Rondo staff will refer CLT homeowners to this benefit who certify: 

• Current homeowners’ insurance documentation
• ground lease fee payments are up to date, and 
• have a Homestead Tax classification

Financial Counseling

Minnesota Homeownership Center: this organization supports a network of professional advisors offering free services and resources to prevent foreclosure.

Lutheran Social Service of Minnesota: Provides quality employment and financial services that gives you the guidance, knowledge, and tools to help you establish a budget, pay off credit card debt or student loans, or develop a career action plan.

Foreclosure Prevention

If you are behind on your mortgage payments, it is important to contact Rondo CLT as soon as possible. We are here to help connect you to resources and avoid foreclosure. 

Contact elizabeth@rondoclt.org or (651)-333-1590 if you are behind on mortgage payments or receive a foreclosure notice.

Office of the Minnesota Attorney General Foreclosure Process & Resources: Shows foreclosure timelines, what to do if you are behind on payments, and resources for help. 

Minnesota Homeownership Center: this organization supports a network of professional advisors offering free services and resources to prevent foreclosure.

NeighborWorks Home Partners: Provides HUD-accredited foreclosure prevention counseling. 

• Understanding the Foreclosure Process in Minnesota

Lutheran Social Service of Minnesota: Provides HUD-accredited foreclosure prevention counseling.

Energy Resources

Good Energy Connections: A nonprofit providing Energy Navigators who offer one-on-one support to help households understands energy options, access efficiency programs, and reduce utility costs

Center for Energy and Environment: Offers energy audits, financing, and guidance to help homeowners make energy-efficient home improvements

Citizens Utility Board: A nonprofit consumer advocacy organization that helps Minnesotans understand utility bills, resolve disputes, and access energy assistance

Xcel Energy Assistance: If you’re struggling to pay your bills, Xcel has payment plans, programs, and resources to help.

Aging & Disability Resources

Rebuilding Together Safe at Home Program: This program provides aging-in-place modifications for older adults or those living with a disability.

Minnesota Aging and Disability Resources: A state website providing free, objective information to help older adults, individuals with disabilities, and their caregivers. 

Community Resources

Findhelp.org: A free online tool that helps find local resources for housing, food, utilities, health care, and other essential needs

211 United Way: Visit this website or call 211 for 24/7 resources for non-emergent financial, physical and mental health, childcare, employment, taxes, etc.