Offers a path to homeownership for islanders who are priced out of the real estate market. Homeowners using a community land trust purchase the building and sign a 99-year lease to the land. Homes appreciate modestly according to a resale formula. The formula allows homeowners to earn a reasonable amount of money on their house when they decide to sell, and it keeps the price affordable so another family can buy the same home at an affordable price in the future. Provides housing counseling, budgeting and financial management counseling, and default counseling to all applicants and homeowners.

Provides pre-purchase housing counseling, down payment assistance and lower purchase price for people looking to purchase a home. Potential homeowners agree to a fixed rate of equity appreciation (1.5% per year), and are not responsible for repaying the down payment assistance but are responsible for the mortgage. In exchange for the down payment assistance, homeowners agree to sell their home at an affordable price to someone else in the applicant pool. Retains ownership of the land to ensure that the house remains affordable.

Housing Resources Bainbridge (HRB) is a Community Land Trust (CLT) non-profit organization committed to permanently affordable housing for low and moderate income families. It accomplishes this goal by acquiring land (through purchase or donation), developing housing (or other community needs) on the land, and stewarding the land for the community and its residents. HRB rents or sells homes on the land at prices affordable to low and moderate wage earners and retains ownership of the ground underneath the home. At the time of sale, HRB assists the homeowner in selling the home to another income-qualified family. Sale prices are determined by a ground lease formula, rather than the current market rate. This allows the home to remain affordable in perpetuity for the benefit of the whole community.