Coulee Community Land Trust - 'Changing our communities, one home at a time.'
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Buying Guide
of Homeowners
Coulee Community Land Trust           Changing our communities, one home at a time.

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Our Partners

Couleecap, Inc. Couleecap, Inc.
Wisconsin Department of Commerce, Division of Housing and Community Development Wisconsin Department of Administration, Division of Housing
Forward Community Investments Forward Community Investments
La Crosse County La Crosse County
City of Onalaska City of Onalaska
City of Hillsboro City of Hillsboro
Fransiscan Sisters of Perpetual Adoration Fransiscan Sisters of Perpetual Adoration
La Crosse Chapter of Habitat for Humanity La Crosse Chapter of Habitat for Humanity
La Crosse Community Housing Development Organization, Inc. La Crosse Community Housing Development Organization, Inc.



  1. Check to see if you are income-eligible for a 50% County Median Income (CMI) unit or an 80% CMI unit.
  2. Download an application, complete it, and return it to 2101 Victory Street #C, La Crosse, WI 54601.
  3. Attend a Couleecap Homebuyer Education Class.
  4. Find the house you want to buy. Call 608-782-5525 to arrange a viewing/tour.
  5. Contact a participating lender to apply for/qualify for mortgage financing.

Our Lending Partner(s)
Contact our lending partner(s) for mortgage qualification:

Julie Berg
WHEDA and other loan options available
Assistant Vice President, Mortgage Lending
Citizens Bank
620 Main Street
La Crosse WI 54601
Phone: (608) 785-2265
Fax: (608) 785-2275

Susan Day
WHEDA and other loan options available
(only for Vernon & Crawford Counties)

Affordable Housing Coordinator
Anchor Bank
25 West Main Street
Madison, WI 53703
Phone: (608) 252-8815
Fax: (608) 252-8833

Shanna Dobbratz
WHEDA loans available
Vice President
Farmers & Merchants Bank
1001 Superior Avenue
Tomah, WI 54660
Phone: (608) 372-2126
Fax: (608) 372-5385

Kevin Hauser
WHEDA loans available
President, CEO
Westby Co-op Credit Union
501 North Main Street, P.O. Box 70
Westby, WI 54667
Phone: (608) 634-3118
Fax: (608) 634-7649

Dennis Herricks
WHEDA loans available
Vice President, Real Estate Lending Services
ALTRA Federal Credit Union
2715 Losey Boulevard South
La Crosse, WI 54601
Phone: (608) 787-7508
Fax: (608) 787-7108

Scott Tourdot
WHEDA loans available
Loan Officer
River Bank
900 Maple Avenue
Sparta, WI 54656
Phone: (608) 269-1277
Fax: (608) 269-1216

Elizabeth Malott
WHEDA loans available
Branch Manager
Marine Credit Union
929 State Street
La Crosse, WI 54601
Phone: (608) 784-7329
Fax: (608) 784-3214

Amy Marcou
WHEDA loans available
Mortgage Loan Officer
Coulee Bank
1516 Losey Boulevard South
La Crosse, WI 54601
Phone: (608) 784-3906
Fax: (608) 784-1069

Tina Mueller
WHEDA and other loan options available
AVP/Mortgage Loan Officer
Merchants Bank
3140 Market Place
Onalaska, WI 54650
Phone: (608) 779-8294
Cell: (608) 790-0442
Fax: (608) 779-1348

Carol Porath
WHEDA loans available
Assistant Vice President
State Bank Financial
401 Main Street
La Crosse, WI 54601
Phone: (608) 791-4231
Fax: (608) 785-0092

Trish Sessa
WHEDA loans available
Community Investment Specialist
Harris Bank, N.A.
111 West Monroe Street, 7C
Chicago, IL 60603
Phone: (312) 461-3717
Fax: (312) 293-4702

Susan Weber-Johnson
WHEDA and other loan options available
Mortgage Loan Officer
Citizens First Bank
101 S. Main St., PO Box 471
Viroqua, WI 54665
Phone: (608) 637-3133, Ext. 126
Fax: (608) 637-8223

Sue Wrobel
WHEDA loans available
Branch Manager
M & I Bank
1300 Rose Street
La Crosse, WI 54603
Phone: (608) 783-9141
Fax: (608) 782-4939

We offer many resources and information for our first-time homebuyers, assisting them through the processes, pit-falls, and best-practices of purchasing a home. The counseling curriculum includes information, referrals for additional information, hands-on learning, and a “mock” closing.

The topics covered in the counseling curriculum include:

  1. Renting vs. Buying
    This section helps potential homeowners delve into the question of whether they are ready to purchase their first home by examining costs, benefits, and disadvantages of renting and buying.
  2. How Much Can I Afford? Building a spending plan is an important step when purchasing a home. This section requires participants to develop a budget and savings plan while looking at household income to determine the amount of home the family can afford. This chapter also provides useful tips on saving money to help with home purchase and maintenance.
  3. Credit Reports Many individuals do not realize the importance of a credit score when choosing to purchase a home. This chapter defines what a credit score is, how to increase your score, how to use credit wisely, and how bad credit can affect the loans for which you may qualify.
  4. Applying for a Loan Predatory lending is a growing phenomenon, which is why this section is important in educating potential homebuyers on the types of loans available, how to compare mortgage loans, and how to avoid predatory lenders. This section also includes information on fair housing rights.
  5. Looking for a Home Finding the right home is the most exciting step in the homebuyer process. This chapter provides a housing priorities checklist for families to complete before they begin the search for their first home as well as a housing checklist that can be filled out for each home viewed. The homebuyer counselor also walks clients through the process of writing an Offer to Purchase, including contingencies homebuyers may want to include. Finally, this chapter encourages homebuyer to schedule a home inspection before committing to a purchase.
  6. Purchasing a Home The final chapter walks potential homebuyers through the closing process, including copies of the actual documents that they will see at the closing table. Homebuyer counselors explore each of the documents explaining the requirements and intricacies of each form. This chapter closes with a home maintenance checklist for new homeowners outlining simple repairs that can be done to preserve the value of their new home.
Couleecap also provides information concerning available downpayment assistance programs, lower-interest loans for first-time homebuyers, as well as other Couleecap and state-wide programs that can be of assistance to homeowners.

Income Limits for Coulee Community Land Trust housing
To qualify to purchase a Coulee CLT home, a household must have sufficient income to afford the mortgage and must have an income below 80% of the county median income for the county where the house is located.

County median income levels are listed below by household size. Please note that anyone who will live in the household is counted, as is each person’s income. Unborn children do not count as a person when counting household size.

County 1-person 2-person 3-person 4-person 5-person 6-person 7-person 8-person
La Crosse $38,300 $43,800 $49,250 $54,700 $59,100 $63,500 $67,850 $72,250
Monroe $34,550 $39,450 $44,400 $49,300 $53,250 $57,200 $61,150 $65,100
Crawford $33,550 $38,350 $43,150 $47,900 $51,750 $55,600 $59,400 $63,250
Vernon $33,550 $38,350 $43,150 $47,900 $51,750 $55,600 $59,400 $63,250

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