Community land trusts create and preserve affordable homeownership opportunities by retaining ownership of land and leasing it under a long-term ground lease to homebuyers who purchase the improvements on the land (typically, houses) at prices below market rates.

We encourage the seller to complete the Freddie Mac Community Land Trust Mortgage Overview training available on the Freddie Mac Learning Center website.

For additional financing solutions to support shared equity homeownership, please see our Mortgages Secured by Income-Based Resale Restricted Properties