Loan Programs

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information and referrals on a variety of housing related topics. Topics include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Education
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Circle Pines Revolving Loan Program:
A 2% interest loan for a maximum of $12,500 and a term of 10 years is available to owner-occupied single-family houses to complete interior and exterior home improvements. Townhome and condominium owner-occupants are also eligible for the program for interior home improvements. To qualify, the loan borrower must be below 80% of the metro area median income. Examples of eligible projects include repairing roofs, improving heating systems or upgrading insulation.

Rehab Incentive Program:
The Rehab Incentive Program provides a cash rebate to homeowners who complete home improvement projects. The rebate amount is calculated as a percentage of eligible rehabilitation costs. Homeowners with incomes at or below 115% of the area median income, or $88,206, are eligible to receive a 10%, 12% or 15% rebate depending on income. The maximum rebate amount is $3,000 per household.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Rehab Incentive Program:
The Rehab Incentive Program provides a cash rebate to homeowners who complete home improvement projects. The rebate amount is calculated as a percentage of eligible rehabilitation costs. Homeowners with incomes at or below 115% of the area median income, or $88,206, are eligible to receive a 10%, 12% or 15% rebate depending on income. The maximum rebate amount is $3,000 per household

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Zero Interest Home Rehabilitation Grant/Loan:
The City of Coon Rapid’s Zero Interest Home Rehabilitation Grant/Loan is available for home improvements necessary to meet minimum housing quality standards. Up to 50% of the loan is converted to a grant over time and the loan becomes repayable only when the home is no longer the principal resident of the recipient of the funds. The homeowner must meet income requirements to participate in the program.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Rehab Incentive Program:
The Rehab Incentive Program provides a cash rebate to homeowners who complete home improvement projects. The rebate amount is calculated as a percentage of eligible rehabilitation costs. Homeowners with incomes at or below 115% of the area median income, or $88,206, are eligible to receive a 10%, 12% or 15% rebate depending on income. The maximum rebate amount is $3,000 per household.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Rehab Participation Program:
Grants rebating a percentage of the cost of home improvement projects completed without using NRP funds, will be offered as follows: 35% of exterior projects and 25% of interior projects. Maximum grant amount is $3,000. Households may receive more than one grant, but the combined grants may not exceed $3,000. Grants received in prior programs count toward the $3,000. Deferred Loan Home Improvement Program: Maximum loan amounts of $5,000, with 0% interest, with a minimum loan amount of $1,000.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Revolving Loan Program:
A 5% interest loan for a maximum loan of $10,000 and a maximum term of ten years is available to owners of owner-occupied single-family homes or duplexes. Seventy-five percent of the loan funds available are reserved for homeowners earning below the area median family income, and 25% are for those at or above the median family income. Exterior and interior improvements, such as painting, fences, roofs, plumbing, electrical and permanent landscaping, qualify for these loans.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

1-3 Matching Deferred Loan Program:
A 0% interest loan for a maximum of $4,000 is available to improve home exteriors in dwellings of 3 units or less. The loan borrower must match the loan dollar-for-dollar with their own money. Each year the owner lives in the property 20% of the loan will be forgiven. The loan will be entirely forgiven on the 5-year anniversary of the loan's closing date. The homes can be owner-occupied or absentee-owned. There is no income restriction on participating in the program, and eligible projects include repairing doors, replacing windows or installing security lighting.

Historic Preservation Loan Program:
This program is aimed at restoring and preserving homes in the CARAG neighborhood built before1930. A 0% deferred loan, forgiven after 5 years is offered for this program, which is open to both owner-occupied and absentee owners to improve their homes' exteriors. The funding is divided into 2 loan "pools." The first loan pool has a maximum loan amount of $25,000 Qualified applicants who are above 100% of the area median income for Minneapolis are required to match NRP funds dollar-for-dollar. The second loan pool has a maximum loan amount of $10,000. Qualified applicants at or below 50% of the area median income are not required to provide a match. Workshops will be held prior to application deadline, providing potential applicants an opportunity to meet home restoration experts and architects to discuss ideas for the program.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Smart Commute Program:

$2,500 - Minneapolis Empowerment Zone Smart Commute - Mortgage Entry Cost Assistance Program:

Up to $2,500 in grants is available to first-time homebuyers purchasing a home in the Minneapolis Empowerment Zone. Homebuyers must obtain a Smart Commute mortgage through Bremer Bank. There are no income limits and the Smart Commute program provides highter debt-to-income qualifying ratios and reduced down payment requirements. In addition, the Metropolitan Council, through Metro Transit, will offer each Smart Commute Mortgage recipient a free annual transit pass for the first two years of the mortgage and discounts in subsequent years. Limited Transit Passes are available, so signing up early is encouraged. To be eligible as a 'first time homebuyer' you must not have owned a home in the last 3 years. Learn more about this program by calling the HousingResource Center-Northwest at 612-588-3033.

Neighborhoods located in the Empowerment Zone area are: Beltrami, Central, Corcoran, Downtown East, Elliot Park, Harrison, Hawthorne, Jordan, Logan Park, Longfellow, Loring Park, Lowry Hill East, Lyndale, Marcy Holmes, Mid-City Industrial, Near North, North Loop, North River Industrial, Northeast Park, Prospect Park, Phillips, Seward, Summner-Glenwood, Whittier and Willard Hay.

Folwell Deferred First-Time Homebuyer Loan Program:
A 0% interest loan is available to first-time homebuyers for assisting with their down payment and closing costs. Any single-family house, duplex, condominium or townhouse purchaser may receive this deferred loan up to $1,500 if purchasing a homesteaded property, or $2,000 if purchasing a non-homesteaded property. There is no income limit to participate in the program. No repayment of the loan is required if the property owner remains as an owner-occupant for a period of 3 years following the date of the deferred loan closing.

Folwell Revolving Loan Program:
A 4% interest loan for a maximum of $10,000 and 7 year term is available to owner-occupied single and duplex properties, townhomes, condominiums and their associations. First priority for funding goes to correcting City of Minneapolis housing code violations, second priority for funding is for correcting other health or safety hazards, and third priority is for enhancing the property's livability, durability and appearance.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Deferred Loan Program:
A deferred loan for a maximum of $5,000 is available to owner-occupied houses with 4 or less units. Interior improvements to townhouses and condominiums are also eligible. The deferred loans are available by lottery only. The loan is forgiven after 15 years if the owner does not sell the property. If the owner sells the property before fifteen years, the owner pays back the loan. Loan borrowers must have an income less than 60% of the area median income for the City of Minneapolis to participate. Eligible improvements include, among others, doors, windows, retaining walls and garages.

Revolving Loan Program:
A 3% interest revolving loan for a maximum of $7,500 is available to credit worthy owner-occupied single and duplex properties. Owner occupants of townhouses and condominiums are also eligible. The maximum loan term is 7 years. There is no income limit for this program. Eligible improvements include, among others, decks, windows, fences, garages and retaining walls.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Commercial Matching Grant Program:
More information on this program to energize commercial areas in the Nokomis East Neighborhood is coming soon. The program rules and guidelines are currently under development.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Sheridan Absentee-owned Revolving Loan Program:
A 4% interest loan up to $15,000 for single-family homes and $30,000 for duplexes is available. The maximum term of the loan is 10 years. There is no income limit to participate. Eligible home improvement projects include interior and exterior work, such as painting, electrical, porches, sidewalks and driveways.

Sheridan Business Revolving Loan Program:
A 0% interest loan for a maximum of $10,000 and a term of 10 years is available to business and commercial property owners. Loan borrowers can use the funds to improve the exterior of their property.

Sheridan Homebuyer Assistance Program:
A homebuyer in the Sheriden neighborhood can get $5,000 deferred loan to be used toward purchasing their home. The homebuyer must remain in the home for 6 years for the loan amount to be forgiven, and the homebuyer must earn less than 80% of the area median income.

Sheridan Deferred Loan Program:
A 0% interest matching deferred loan for a maximum of $5,000 and a term of 5 years is available. The repayment of the loan is forgiven after 5 years unless the owner transfers ownership of the property. If the owner transfers ownership before 5 years, a percentage of the loan must be repaid. All owner-occupied properties including homesteaded single-family, duplex, triplex or fourplex residential properties are eligible for the program, and there is no income limits for participants. The funds can be used to improve the interior and exterior of the home.

Sheridan Owner-occupied Revolving Loan Program:
A 4% interest loan up to $15,000 for single-family homes and $30,000 for duplexes is available. The maximum term of the loan is 10 years. There is no income limit to participate. Eligible home improvement projects include interior and exterior work, such as painting, electrical, porches, sidewalks and driveways.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

St. Anthony Village Revolving Loan Program:
A 4% interest loan for a maximum of $10,000 and a loan term of 7 years is available to owner-occupied single and duplex properties located within the city limits. Owner-occupants of condominiums and townhouses are eligible. Loan funds may be used for interior and exterior improvements. Luxury items, such as a swimming pool, are not eligible. Working capital, payment for owner's labor, debt service and refinancing existing debts are also ineligible.

St. Anthony East Purchase/Rehab GAP Program:
The neighborhood is making available NRP funds to provide gap financing for the rehabilitation of existing homes or for new construction. The Greater Metropolitan Housing Corporation (GMHC) will act as a willing buyer to homeowners who want to sell their homes; provided funds are available, the project is economically viable and approved by the neighbor group. GMHC will purchase the property and then rehabilitate or build new. The house would then be sold on the open market to an owner-occupant.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

St. Anthony West Purchase/Rehab GAP Program:
The neighborhood is making available NRP funds to provide gap financing for the rehabilitation of existing homes or for new construction. The Greater Metropolitan Housing Corporation (GMHC) will act as a willing buyer to homeowners who want to sell their homes; provided funds are available, the project is economically viable and approved by the neighbor group. GMHC will purchase the property and then rehabilitate or build new. The house would then be sold on the open market to an owner-occupant.

St. Anthony West Revolving Loan Program:
A 4% interest loan for a maximum of $15,000 and a term of 10 years is available to single ­family homeowners, a 4% interest loan for a maximum of $30,000 and a term of 15 years is available for duplex and multi-family housing. Owner-occupied and absentee-owned properties are eligible, and there are no income restrictions to participate in the program. The loan funds can be used for interior and exterior improvements, including porches, landscaping and retaining walls.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Matching Deferred Loan:
This is a 0% interest loan up to $5,000, owner-occupied, exterior, 2:1 match unless under 50% median income, loan is forgiven if homeowner lives in the home for 5 years.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans: Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan: This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Homestead Matching Grant Program:
A grant up to $4,000 is available for improving exteriors, handicap accessibility, and maintenance and energy costs of homes and garages. Properties with no more than four dwellings are eligible. Townhomes, condominiums and cooperative associations are not eligible. There is no income restriction, though applicants with a family income greater than 35% the Minneapolis median income must match their grant on a one-to-one ratio. The grant covers exterior rehabilitation projects on homes or existing garages. Examples of projects include door replacement, structural foundation improvements, window repair, and installing a porch.

Non-Homestead Matching Grant Program:
A grant up to $1,000 per dwelling and $4,000 per property is available to owners of properties with a non-homestead status and 4 or less dwellings. Applicants must match the granted funds on a one-to-one ratio, and there is no income limit to participate. Owners may use the funds to finance exterior improvements to homes and/or existing garages, such as painting exteriors, resolving structural problems and repairing or replacing doors and windows.

Carriage House Grant Program:
A grant up to $20,000 per dwelling unit is available to finance the creation of a carriage house. A carriage house is a separate, detached structure that contains both an at-grade car garage and at least one totally independent dwelling unit of which part or the entire dwelling unit is above the garage. There is no income limit for the program.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Emergency Deferred Loan Program
A 0% interest loan for a maximum of $3,000 is available to homesteaded and owner-occupied single-family dwellings. The loan provides financial assistance to homeowners who are in financial hardship and have serious home repair issues that must be addressed. The loan will be forgiven after 5 years unless the owner sells and/or moves off the property. If the owner does move or sell, a percentage of the loan must be repaid. To qualify for the loan, borrowers must earn at or below 50% of the area median income.

Revolving Loan Program
A 4.25% interest loan for a maximum of $7,000 and term of 5 years is available to homeowners. There is no annual household income limit to participate, and eligible projects include repairs, replacement or new construction that will improve exteriors or interiors of the home, reduce long-term maintenance and energy costs, and improve handicap accessibility.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Minneapolis Basic Home Improvement Loan:
You must live in your home, whether it's a single-family home or a rental property with 4 units or less. Maximum loan of $25,000, depending upon your affordability and amount of equity in your home. This program has an interest rate of 1% and is available to homeowners with some credit issues.

Minneapolis City Code Abatement Loan:
If you are in an owner occupant of a property with three units or less, and have received orders from Minneapolis Department of Inspections to make repairs, and you're not eligible for other loans available through the HousingResource Center, you may be eligible for this loan.

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Mounds View Manufactured Housing Program:

This program contains two deferred loans for the Mounds View Manufactured Home Community: 1) for the borrower's down payment and/or closing costs for the mortgage being used to finance the purchase of a new manufactured home and 2) for the borrower's rehabilitation of an existing manufactured home. A 0% interest loan for a maximum of $5,000 is available for purchasing a home, and a 0% interest loan for a maximum of $3,000 is available for rehabilitating the home. The loan is forgiven after 5 years unless the property transfers ownership before 5 years. To qualify for a loan the borrower must be at or below 80% of the area median income.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Ramsey County Community Development Block Grant (CDBG) Deferred Loan Program:
A 0% interest loan for a maximum of $15,000 is available to owner-occupied single-family dwellings worth $190,000 or less in suburban Ramsey County. The loan will be forgiven after 10 years unless the loan borrower moves from the home. To qualify, loan borrowers must be at or below 50% of the area median income. Homeowners can use these loans to finance exterior and interior rehabilitation of a home and/or existing garage.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Roseville Home Improvement Program
A 4% interest loan and a term of up to 10 years for a maximum loan of $20,000 without Green Design Incentive and up to $25,000 with the Green Design Incentive. Owner-occupied single and duplex properties are eligible to make interior and exterior improvements. Owner-occupied condominiums and townhouses are eligible for interior improvements only. The House must be at least 25 years old.

The total household income cannot exceed 120% of the current area median income, adjusted by household size, as defined by HUD. For example, in 2008, 120% of area median income for a family of four is $97,080.00. Families may deduct $2,500 from their annual gross income for each child (16 years and under) in the home.

Housing Redesign Program:
The Roseville Housing Redesign Program seeks to encourage the use of good design when older home are reconstructed. The use of a qualified design professional helps to create enduring value and aesthetic appeal both to the homeowner and to the neighborhood. Qualifies applicants may be eligible for a grant to cover homeowner’s architect/designer fees up to $3,000.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $93,100, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

St. Anthony Village Revolving Loan Program
A 4% interest loan for a maximum of $10,000 and a loan term of 7 years is available to owner-occupied single and duplex properties located within the city limits. Owner-occupants of condominiums and townhouses are eligible. Loan funds may be used for interior and exterior improvements. Luxury items, such as a swimming pool, are not eligible. Working capital, payment for owner's labor, debt service and refinancing existing debts are also ineligible.

Rehab Incentive Program
The Rehab Incentive Program provides a cash rebate to homeowners who complete home improvement projects. The rebate amount is calculated as a percentage of eligible rehabilitation costs. Homeowners with incomes at or below 115% of the area median income, or $88,205, are eligible to receive a 10%, 12% or 15% rebate depending on income. The maximum rebate amount is $3,000 per household.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $93,100, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA).

MHFA Rental Property Loans:
Maximum loan up to $100,000 to finance rental property. ($25,000 for a single-family home or duplex; $10,000 per unit in a multiple-unit dwelling.) Interest rate is 6% for up to 15 years.

MHFA Rehabilitation Loan:
This loan is a 0% interest, 30-year loan for financing up to $15,000 for permanent repairs to the home. The loan is deferred so homeowners have no interest or monthly payments. Eligible homeowners must have incomes at 30% area median, and eligible properties include single-family homes, duplexes and manufactured housing taxed as real or personal property. In addition, homeowners with a disability and/or lead abatement issues can qualify for a maximum loan of $20,000. This is a program of the Minnesota Housing Finance Agency (MHFA).

Home Improvement Advice:
Our construction managers provide free construction consultations to residents of partnering communities. These services include:

• Site Visits with Homeowners
• Contractor Information
• Create a list of work for contractors to bid from
• Review contractor bids, proposals, estimates
• Accessibility Modifications
• Health and Safety issues

Housing Information:
We provide information on a variety of housing related topics. They include:

• Home Maintenance and Safety Topics
• Home Improvement Financing
• First Time Homebuyer Classes
• Limited Rental Information
• Mortgage Foreclosure Prevention Programs
• Energy Assistance Programs
• Purchase and Rehabilitation Mortgages

Washington County Owner-Occupied Residential Deferred Loan Program
A 0% interest deferred loan for a maximum of $20,000. The loan is available to low-income individuals within areas of Washington County owning single-family homes. Income limits apply to this program, and are at 50% of the area median. For example, a family of 4 would earn no more than $38,500 to qualify. The loan funds can be used for interior and exterior home improvement projects. Note: All areas of Washington County are served except Dellwood, Marine On St. Croix, Denmark Township and Grey Cloud Island Township.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 and a maximum term of 20 years, with a fixed rate for the term of the loan. Please contact the HousingResource Center for the current interest rate. The Fix Up Fund loan is available to credit worthy owner-occupied single-family homes, duplexes, triplexes and fourplexes. The maximum income to qualify for the loan is $89,000, and most home improvements qualify except for luxury i