Is This Really My House?
The day I closed on my home, after four months of paperwork, meetings, questions and waiting, I called a friend and asked her, “Is this really MY house?”
She assured me that yes, it really was. I cried at my closing.
That moment meant so much because homeownership had not always seemed like an obvious part of my future. I had lived in St. Paul for many years, including more than 20 years in the Rondo neighborhood, and had relied on a Section 8 housing voucher for approximately 20 years.
That assistance gave my daughter and me important stability when we needed it. But as my circumstances changed, I reached a point where I was ready to surrender my voucher and consider homeownership.
What I didn't know was how I was going to make the transition without becoming financially overwhelmed in the process.
Finding Another Path
A friend who was purchasing a traditional home told me about a Home Stretch homebuyer education seminar. I attended because the program was required for the down-payment assistance available to me.
During the seminar, the facilitator introduced the idea of community land trust homeownership. Later, after reviewing my budget, she spoke to me individually and suggested that I seriously consider it.
Her explanation was simple: I could get more home for my money.
I was hesitant. My plan had been to save more money, take my time and eventually find the right home for myself and my adult daughter.
That evening, though, curiosity got the better of me. I went online just to see what might be available. There it was: a small white, two-bedroom home that seemed almost made for us. I contacted the land trust the next day.
Four months later, I had the keys.
That was 11 years ago.
What “More Home for My Money” Came to Mean
At first, I understood shared-equity homeownership mostly as a way to purchase a good home at a price I could afford.
Eleven years later, I understand it differently.
The value wasn't simply getting into the house. The affordability of the house gave me room to grow after I got into it.
Because my housing costs remained manageable, I had room to strengthen my credit, build savings, learn more about managing money and prepare for the inevitable expenses that come with owning a home.
Over time, my understanding of financial security changed too. I stopped thinking that financial progress necessarily meant eventually buying something bigger or more expensive. There is also wealth in stability, manageable housing costs, savings, established credit and having a home that continues to meet your needs.
That is one of the benefits shared ownership has provided for me.
My daughter and I have now lived in the same home for 11 years. I live on a safe street among long-term neighbors, some of whom have become like family. I know my neighborhood. I know my home. I have roots here.
I don't have plans to scale up or sell simply because that's what homeowners are sometimes expected to do next. My mortgage is lower than what I would likely pay in rent, I've made significant progress toward paying it off, and my home continues to serve me well.
The facilitator who told me I could get “more home for my money” was right.
I just didn't understand yet how much the word more could include.
Shared Ownership Is Still Homeownership
I also think it is important to be realistic about what a community land trust can and cannot do.
Shared-equity ownership made my home more affordable. It did not make roofs, furnaces, plumbing or unexpected repairs disappear.
I have made mistakes as a homeowner. Some were expensive. I've learned how important emergency savings can be and how much there is to know about maintaining and protecting a home.
There were also years when I didn't feel particularly connected to the land trust itself. I had received considerable education and support during the buying process, but once I became a homeowner, there were times when I felt I was figuring out the realities of ownership largely on my own.
Eventually, I stopped participating.
But something important remained true even during those years:
I still had the home.
The affordability and stability that shared-equity ownership had made possible didn't disappear because my relationship with the organization had become distant. I continued paying my mortgage, caring for my property, building financial stability and living my life in the community.
That experience taught me something I now feel strongly about: creating an affordable path into homeownership is enormously important, but supporting successful homeowners over time matters too.
Coming Back to the Community
In late 2025, Rondo Community Land Trust reached out to homeowners with a survey. I answered honestly.
That invitation eventually led to my participation on Rondo CLT's Homeowner Advisory Council, and I am very grateful that it did.
The Council has given me something I didn't realize how much I had missed: a sense of connection to the other half of this shared investment.
I have been able to meet other homeowners, hear their experiences and contribute what I've learned from my own. I feel that homeowners are being invited not simply to receive information, but to help shape the conversation about what long-term homeowner support can look like.
I feel seen and heard. That matters to me.
After 11 years, I have plenty of experience to contribute—including things I learned the hard way. Instead of viewing those experiences simply as mistakes, I can now use them to help identify where information, education or support might make another homeowner's journey easier.
There is something wonderfully circular about that.
The land trust helped create an opportunity for me to become a homeowner. Years later, I now have an opportunity to bring my experience back to the land trust and hopefully help strengthen that opportunity for the people who come next.
To me, that is also part of shared ownership.
What I Would Tell Someone Considering a Land Trust Home I would begin with this: This is real homeownership.
The community land trust model is different from conventional ownership, and anyone considering it should understand those differences. Shared equity involves both benefits and responsibilities. Learn about the ground lease. Understand the resale provisions. Know what belongs to you, what belongs to the land trust, what responsibilities you are accepting and what resources are available.
Ask questions.
And then ask more questions.
Ask the land trust, your lender, your realtor, your attorney, financial counselors and community organizations. And if five years later you've forgotten what somebody explained to you—or your circumstances have changed—ask again.
Homeownership is too significant a financial and emotional investment to be embarrassed about needing information.
I would also tell a new homeowner this: Don't let all that responsibility keep you from enjoying what you've accomplished.
Owning a land trust home does not diminish the pride of homeownership. It gave me something I once wasn't certain I would have: a stable, affordable home of my own and the opportunity to build financial security around it.
There have been repairs. There have been mistakes. There have been wonderful neighbors and ordinary Tuesdays. There has been growth.
There has been life.
Eleven Years Later
When I think about the woman who stood at that closing table 11 years ago and cried, I understand why she needed to call someone afterward.
After years of rental housing, I suddenly had keys in my hand.
“Is this really MY house?”
I didn't completely understand shared-equity ownership yet. I didn't know everything homeownership would require of me, what I would learn, or how my relationship with the land trust itself would change over the years.
I only knew that I had been given an opportunity I intended to take seriously.
Eleven years later, I understand much more clearly what that opportunity gave me. It gave my daughter and me stability.
It gave me autonomy.
It gave me room to strengthen my finances rather than stretching them to their limit. It gave me roots in a neighborhood I already loved.
And, eventually, it gave me a community of homeowners whose experience can help strengthen the path for those who come next.
So yes.
It really is my house.
And I also understand now why the word shared matters.
-Donita Jackson









