Holyoke Community Land Trust, in Holyoke, Massachusetts, provides quality homes to low-income families, with a commitment to increasing resident homeownership. Residents own their own homes, but the land beneath is held by the nonprofit, to ensure owner-occupancy and on-going affordability. Formed in 1992, after a recent several-year period of dormancy it was reinvigorated in early 2010. A cash-flow loan from Equity Trust has been instrumental in helping HCLT get back on its feet. It is once again becoming a vital part of the community with plans to add two new homes.