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    <loc>https://www.ghclt.org/home</loc>
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    <lastmod>2022-01-19</lastmod>
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      <image:title>Home - Dream It.</image:title>
      <image:caption>A Community Land Trust, CLT, is typically for first-time homebuyers. A CLT is a type of shared equity home ownership program, which provides affordable homeownership opportunities. CLT programs sell homes at prices below market rate. In exchange for your low price, you agree that, when it comes time to sell the home, you will sell at a below market rate price. This will ensure that the home stays affordable for subsequent income qualified buyers.</image:caption>
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      <image:title>Home - Finance It.</image:title>
      <image:caption>Can you afford to be a homeowner? Is CLT homeownership right for you? As the official housing counseling agency for the Grand Haven Area Community Land Trust, Neighborhood Housing Services will help you answer these questions and more. You will work with an NHS housing counselor for all of the required pre and post purchase steps. NHS will lead you through a step-by-step guide to determine eligibility and to navigate the CLT home purchase.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60f5b97d2502b931eb5d47cb/1626786072282-NDJPAOB0PN71JB9CW3JR/Grand+Haven+MI.jpg</image:loc>
      <image:title>Home - Enjoy It.</image:title>
      <image:caption>In 2017, The Niche.com ranked Grand Haven as one of the best places to live in Michigan. With an overall Niche grade of ‘A’, the website stated that, “Grand Haven offers residents a dense suburban feel, many young professionals and retirees live in Grand Haven, and the public schools in Grand Haven are highly rated”. View the full article at https://www.niche.com/places-to-live/grand-haven-ottawa-mi/</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60f5b97d2502b931eb5d47cb/1627053894130-TDT21SO52E69WWX63I3Y/Robinson+Landing+Development.JPG</image:loc>
      <image:title>Home - Build It.</image:title>
      <image:caption>Please Note: All 16 CLT homes in the Robinson Landing development are under contract to be sold. Robinson Landing in the City of Grand Haven is the first opportunity for CLT homeownership in the Tri Cities. This 30 home development will have 16 two and three bedroom CLT floor plans priced between $139,900 and $179,900. There is a style and price-point for first-time homebuyers, young families, as well as retirees in this affordable, safe community. Robinson Landing properties are close to in-town amenities, walkable to schools and minutes from Grand Haven State Park. A goal of the Grand Haven Area Community Land Trust is that Robinson Landing is the first of many homeownership opportunities in the Tri Cities area.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60f5b97d2502b931eb5d47cb/1627053894130-TDT21SO52E69WWX63I3Y/Robinson+Landing+Development.JPG</image:loc>
      <image:title>Home - Build It.</image:title>
      <image:caption>Please Note: All 16 CLT homes in the Robinson Landing development are under contract to be sold. Robinson Landing in the City of Grand Haven is the first opportunity for CLT homeownership in the Tri Cities. This 30 home development will have 16 two and three bedroom CLT floor plans priced between $139,900 and $179,900. There is a style and price-point for first-time homebuyers, young families, as well as retirees in this affordable, safe community. Robinson Landing properties are close to in-town amenities, walkable to schools and minutes from Grand Haven State Park. A goal of the Grand Haven Area Community Land Trust is that Robinson Landing is the first of many homeownership opportunities in the Tri Cities area.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60f5b97d2502b931eb5d47cb/1626786072282-NDJPAOB0PN71JB9CW3JR/Grand+Haven+MI.jpg</image:loc>
      <image:title>Home - Enjoy It.</image:title>
      <image:caption>In 2017, The Niche.com ranked Grand Haven as one of the best places to live in Michigan. With an overall Niche grade of ‘A’, the website stated that, “Grand Haven offers residents a dense suburban feel, many young professionals and retirees live in Grand Haven, and the public schools in Grand Haven are highly rated”. View the full article at https://www.niche.com/places-to-live/grand-haven-ottawa-mi/</image:caption>
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  <url>
    <loc>https://www.ghclt.org/portal</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-03-29</lastmod>
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  <url>
    <loc>https://www.ghclt.org/what-is-a-clt-home</loc>
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    <priority>0.75</priority>
    <lastmod>2021-09-08</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60f5b97d2502b931eb5d47cb/1626802417548-OP1OWRO0QNE1OB06WSBP/home+not+land+ownership2.jpg</image:loc>
      <image:title>What is a CLT Home? - How Does a CLT Work?</image:title>
      <image:caption>When an individual, or family, purchases a GH Area CLT home, that home sits on land owned by the GH Area Community Land Trust. This means that you own your home, but GH Area CLT owns the land. This makes the purchase price of your home more affordable because you are buying only the house, not the land. As the homeowner, you lease the land from the Community Land Trust in a long-term (99-year), renewable lease. When you sell the home, you agree to sell at a restricted price to keep the home affordable.</image:caption>
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      <image:title>What is a CLT Home? - Homeowner Costs &amp; Responsibilities</image:title>
      <image:caption>You, as the homeowner, are responsible for maintaining the home and property in accordance with the ground lease and master deed requirements. The Grand Haven Area CLT Ground Lease fee is $30 per month. When purchasing the home, you agree to, and sign, a long-term, renewable ground lease. You, as the homeowner, will pay your property taxes in two separate bills-one for the improvement (which is the house), and one for the land. You will have full use of the leased land. You can put up a fence, do your own landscaping, plant a garden, put up a playset, etc. There are very few restrictions on your daily use of the land. CLT has a fixed rate resale formula. This fixed rate formula is detailed in the ground lease. It is easy to calculate your equity at any time. The fixed rate increases the longer you own the home. The actual dollars will vary for each homeowner. This will be discussed during your pre-purchase housing counseling with NHS.</image:caption>
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  <url>
    <loc>https://www.ghclt.org/robinson-landing</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-19</lastmod>
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      <image:title>Robinson Landing - Robinson Landing</image:title>
      <image:caption>Please Note: All 16 CLT homes in the Robinson Landing development are under contract to be sold. Charming homes located in a tree-lined neighborhood, Robinson Landing is just north of Grand Haven Memorial Airport on Comstock Street. From the front porch of your new home, you can watch your children skate or bike down the sidewalk.  Robinson Landing is close to in-town amenities, walkable to schools, and is accessible to walking and bike trails. Robinson Homes are also only four miles from Grand Haven State Park.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60f5b97d2502b931eb5d47cb/1626810094245-RMBJV4VNVQX85KBGZ4BN/1L_2BR_Static+Interiors_HO_MM_SG_C2_CF_Photo+-+3.jpg</image:loc>
      <image:title>Robinson Landing - About Our Homes</image:title>
      <image:caption>Grand Haven Area’s CLT Homes offer an affordable opportunity to build your wealth with home ownership. Although there are no guarantees, in a strong real-estate market, a well-maintained home has a good chance of appreciating over time. As a homeowner, you may also be able to take tax deductions which could save money and help build financial stability. Our two and three-bedroom homes are priced between $139,000-$179,900 (price based on amenities and style). 2-bedroom, 1 bath home=$139,000 3-bedroom, 2 bath home=$159,900 3-bedroom 2.5 bath home=$179,900</image:caption>
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    <loc>https://www.ghclt.org/our-partners</loc>
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    <priority>0.75</priority>
    <lastmod>2023-03-29</lastmod>
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      <image:title>Our Partners</image:title>
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      <image:title>Our Partners</image:title>
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    <loc>https://www.ghclt.org/qualifications</loc>
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    <priority>0.75</priority>
    <lastmod>2021-09-08</lastmod>
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    <loc>https://www.ghclt.org/robinson-landing-photos</loc>
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    <lastmod>2022-02-03</lastmod>
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      <image:title>Robinson Landing Photos</image:title>
      <image:caption>One Level, Two Bedroom Floor Plan</image:caption>
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      <image:title>Robinson Landing Photos</image:title>
      <image:caption>Kitchen with Higgins Oak Wood</image:caption>
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      <image:title>Robinson Landing Photos</image:title>
      <image:caption>Children’s Room-Three Bedroom, One Level Home</image:caption>
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      <image:title>Robinson Landing Photos</image:title>
      <image:caption>One Level, Three Bedroom Floor Plan</image:caption>
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      <image:title>Robinson Landing Photos</image:title>
      <image:caption>Two Level, Three Bedroom ‘Storm Package’ Exterior</image:caption>
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      <image:title>Robinson Landing Photos</image:title>
      <image:caption>Great Room-Three Bedroom, Two Level Home</image:caption>
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      <image:title>Robinson Landing Photos - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Robinson Landing Photos - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:title>Robinson Landing Photos - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Robinson Landing Photos - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Robinson Landing Photos - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Robinson Landing Photos - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Robinson Landing Photos - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Robinson Landing Photos - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Robinson Landing Photos - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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