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A Unique Community Land Trust Making Homeownership Affordable

May 23, 2024 Barry Greene, Jr, Next City. , , , , ,
When Michael Haggins’ credit score disqualified him for a mortgage preapproval in 2021, he was crushed. A single father who grew up in Richmond, Haggins dreamed of owning a house in his hometown where his two sons could play freely. A shortage of just five credit score points — plus systemic inequities and a national housing crisis — left them all living with his mother. But today, Haggins is the proud owner of a home in Church Hill, thanks to Richmond’s Maggie Walker Community Land Trust (MWCLT) and its pioneering model for creating permanently affordable housing. “I don’t think I could’ve done it without their help, honestly,” says Haggins.

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