Loan Programs and Other Housing Services

Contact NorthMetro HousingResource Center at 651-486-7401 for more information.

Anoka County Housing Rehabilitation Deferred Loan:
This zero interest deferred loan is available to owner-occupied, single family properties in Anoka County. Eligible properties must be at least 15 years old and meet the estimated market value limit. Maximum deferred loan amount is $15,000 for basic repairs to the home that meet minimum housing quality standards. Repayment of the loan is deferred until sale of the property, transfer of title or, in some cases when the mortgage is refinanced. Income limits and other criteria apply.

Anoka County Home Energy Loan Program:
This program provides assistance to owner-occupied households within Anoka County (except Coon Rapids) to make improvements on heating systems to reduce energy costs. This program will replace furnaces, boiler systems and water heaters with Energy Star-rated products. Other eligible improvements include insulation, weatherization and programmable thermostats. This is a zero percent loan and will be forgiven in the 11th year after improvements are made. If the property is sold, transferred or no longer the principal place of residence within ten years, the recipient shall repay the loan. Income limits and other criteria apply.

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 at or below $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.

Contact Northwest HousingResource Center at 612-588-3033 for more information.

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.

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

Contact NorthMetro HousingResource Center at 651-486-7401 for more information.

Circle Pines Home Rehabilitation Loan:
This zero interest deferred Loan is available to owner-occupied, single family properties in Circle Pines. Maximum loan amount is $20,000 for basic repairs to the home that meet minimum housing quality standards. The loan is forgiven at a rate of 10% per year for five years. After year five, half of the loan is required to paid upon sale of the property, transfer of title or, in some cases when the mortgage is refinanced. Eligible households must be at or below 80% of the area median income.

Anoka County Housing Rehabilitation Deferred Loan:
This zero interest deferred loan is available to owner-occupied, single family properties in Anoka County. Eligible properties must be at least 15 years old and meet the estimated market value limit. Maximum deferred loan amount is $15,000 for basic repairs to the home that meet minimum housing quality standards. Repayment of the loan is deferred until sale of the property, transfer of title or, in some cases when the mortgage is refinanced. Income limits and other criteria apply.

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 at or below $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.

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

Contact Northeast HousingResource Center at 612-378-7985 for more information. Rehab Incentive Program:

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

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

Contact NorthMetro HousingResource Center at 651-486-7401 for more information.

Coon Rapids Housing Rehabilitation Loan Program:
This zero interest deferred loan is available to owner-occupied, single family properties in Coon Rapids. Maximum deferred loan amount is $20,000 for home improvements necessary to meet minimum housing quality standards. Eligible properties must be at least 15 years old and meet the estimated market value limit. Repayment of the entire loan is deferred until sale of the property, transfer of title or in some cases when the mortgage is refinanced. Eligible households 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 at or below $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.

Contact Northwest HousingResource Center at 612-588-3033 for more information.

Rehab Incentive Program:
Depending on household income, applicant can qualify for a 10% 12% or 15% rebate on total project cost. Household income must be less than 110% AMI, Maximum rebate is $6,000 per calendar year per household.

Last Resort:
For emergency repairs. Household income must be 50% AMI or less. $3,000 grant. Construction Manager's evaluation required.

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.

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

Contact NorthMetro HousingResource Center at 651-486-7401 for more information.

Ramsey County Deferred Loan:
This zero interest loan is for owner-occupied, single family properties in Suburban Ramsey County. Maximum loan is $15,000 for home improvements necessary to meet minimum housing quality standards. Eligible properties must be at least 15 years old and meet the estimated market value limit. Condominium and townhomes are eligible for interior repairs only. The loan is divided into two tiers:

Tier One - Low Income Households:

For households with a gross annual income at or below 50% of the area median income. The loan is forgiven at a rate of 10% per year. The loan is completely forgiven if the home is not sold and title is not transferred for 10 years after receiving the loan.

Tier Two - Moderate Income Households:

For households with a gross annual income between 50% and 80% of the area median income. Repayment of the entire loan is deferred until the house sold, title is transferred or in some cases the mortgage is refinanced.

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 at or below $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 zero percent loan is for up to $15,000 in permanent repairs to owner-occupied homes. Eligible properties include: single family detached homes, duplexes, condominiums, townhomes and mobile/manufactured homes. Household gross annual income must be at or below 30% of the area median income. The loan is forgiven if the homeowner remains in the home for 20 years after receiving the loan (15 years for manufactured homes).

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

Contact Northwest HousingResource Centers™ at 612-588-3033 for more information.

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 at or below $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 Rehab Loan:
This is a rehabilitation loan for rental properties. The maximum loan amount is $100,000 for multi-family buildings, with a maximum per unit of $10,000. A single-family home or duplex may qualify for a loan up to $25,000. The interest rate is 6% for up to 15 years. Property owners must certify to meeting the Minnesota Housing standards of renting 75% of the units to families whose gross annual household income does not exceed 80% of the statewide median income as determined for a household size of four, not adjusted for family size, by the U. S. Department of Housing and Urban Development.

MHFA Rehabilitation Loan:
This zero percent deferred loan is for up to $15,000 to make permanent repairs to owner-occupied homes. Eligible properties include single-family detached homes, duplexes, condominiums, townhomes and mobile/manufactured homes. Household gross annual income must be at or below 30% of the area median income. The loan is forgiven if the homeowner remains in the home for 20 years/15 years for manufactured homes. This loan program is administered directly by Hennepin County. For more information contact: Jim Graham, Hennepin County Housing, Community Works & Transit (612) 348-2235 or jim.graham@co.hennepin.mn.us

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

For information on loan programs administered by GMHC on behalf of local communities within the Hennepin County, click on the following:

Brooklyn Center
Crystal
Robbinsdale
St. Anthony Village

The following programs are available to ALL Minneapolis residents.

For more information on these programs, please contact the HousingResource Center nearest you.

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 $93,100.00, 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, 20-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

Contact Northeast HousingResource Center at 612-378-7985 for more information.

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 $93,100.00, 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, 20-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

Contact Southside HousingResource Center at 612-722-7141 for more information.

Revolving Loan Program:
A 3% 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.

Deferred Loan Program:
A 0% interest loan for a maximum loan of $6,000.00. Minimum loan amount is $2,000.00. Loan term is 10 years. If property ownership is retained for full 10-year loan term, the loan will be 100% forgiven. Homeowners must have an annual household income of less than 50% 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 $93,100.00, 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, 20-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

Contact Southside HousingResource Center at 612-722-7141 for more information.

4+ Plus Matching Deferred Loan:
A deferred loan with a 0% interest rate with a $10,000 maximum loan limit and a $500.00 minimum per dwelling unit ($2,000.00 minimum). 20% of the loan will be forgiven each year. Deferred loan term of 5 years. There is no income limit for the program. Properties can be eith owner-occupied or absentee owned.

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 $93,100.00, 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, 20-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

Contact Southside HousingResource Center at 612-722-7141 for more information.

Revolving Loan Program:
A 3% interest loan for a maximum loan of $5,000.00 and a maximum term of five years is available to homeowners in the HPDL neighborhood for interior and /or exterior repairs. $500.00 minimum loan amount. Property can be either owner-occupied or absentee owned. Match required for absentee owned properties of 1:1. Income limit of 150% of Area Median Income.

Deferred Emergency Loan Program:
A 0% interest loan for a maximum loan of $5,000.00. Emergency is defined as an imminent condition that makes a home uninhabitable, dangerous or is capable of causing severe health problems. If the borrower retains ownership and continues to reside at the property for five years from the loan closing, the loan will be 100% forgiven. Property must be owner-occupied and homesteaded. Income limit is 50% of Area Median Income.

Accessibility Deferred Loan:
A 0% interest loan with a seven year loan term, a $7,500.00 maximum loan amount and a $2,000.00 minimum loan amount. If the accessibility need is a result from an injury while serving in the US Armed Forces, the loan maximum shall be $15,000.00. Income limit is 110% of the Area Median Income. Property must be owner-occupied and homesteaded. If the borrower retains ownership and continues to reside at the property until the seventh anniversary of the loan closing date, the loan will be 100% forgiven.

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 $93,100.00, 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, 20-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

Contact Southside HousingResource Center at 612-722-7141 for more information.

Revolving Loan Program:
A 3% interest loan for a maximum loan of $5,000.00 and a maximum term of five years is available to homeowners in the HPDL neighborhood for interior and /or exterior repairs. $500.00 minimum loan amount. Property can be either owner-occupied or absentee owned. Match required for absentee owned properties of 1:1. Income limit of 150% of Area Median Income.

Deferred Emergency Loan Program:
A 0% interest loan for a maximum loan of $5,000.00. Emergency is defined as an imminent condition that makes a home uninhabitable, dangerous or is capable of causing severe health problems. If the borrower retains ownership and continues to reside at the property for five years from the loan closing, the loan will be 100% forgiven. Property must be owner-occupied and homesteaded. Income limit is 50% of Area Median Income.

Accessibility Deferred Loan:
A 0% interest loan with a seven year loan term, a $7,500.00 maximum loan amount and a $2,000.00 minimum loan amount. If the accessibility need is a result from an injury while serving in the US Armed Forces, the loan maximum shall be $15,000.00. Income limit is 110% of the Area Median Income. Property must be owner-occupied and homesteaded. If the borrower retains ownership and continues to reside at the property until the seventh anniversary of the loan closing date, the loan will be 100% forgiven.

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 $93,100.00, 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, 20-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

Contact Southside HousingResource Center at 612-722-7141 for more information.

Revolving Loan Program:
A 3% interest loan for a maximum loan of $5,000.00 and a maximum term of five years is available to homeowners in the HPDL neighborhood for interior and /or exterior repairs. $500.00 minimum loan amount. Property can be either owner-occupied or absentee owned. Match required for absentee owned properties of 1:1. Income limit of 150% of Area Median Income.

Deferred Emergency Loan Program:
A 0% interest loan for a maximum loan of $5,000.00. Emergency is defined as an imminent condition that makes a home uninhabitable, dangerous or is capable of causing severe health problems. If the borrower retains ownership and continues to reside at the property for five years from the loan closing, the loan will be 100% forgiven. Property must be owner-occupied and homesteaded. Income limit is 50% of Area Median Income.

Accessibility Deferred Loan:
A 0% interest loan with a seven year loan term, a $7,500.00 maximum loan amount and a $2,000.00 minimum loan amount. If the accessibility need is a result from an injury while serving in the US Armed Forces, the loan maximum shall be $15,000.00. Income limit is 110% of the Area Median Income. Property must be owner-occupied and homesteaded. If the borrower retains ownership and continues to reside at the property until the seventh anniversary of the loan closing date, the loan will be 100% forgiven.

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 $93,100.00, 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, 20-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

Contact Northwest HousingResource Center at 612-588-3033 for more information

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.

Hombuyer Assistance:
Downpayment and closing cost assistance for buyers in Folwell, $4,000 forgiven after 5 years. Need not be a first time homebuyer

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.

Community Fix up Fund:
Loans up to $35,000 at a lower interest rate, payable over 20 years. Fees and prepayment penalties apply. Household income must be less than $93,100. For North Mpls only.

MHFA Fix Up Fund Loan:
This is a home improvement loan for a maximum of $35,000 at a lower interest rate, payable over 20 years. 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, (For North Mpls only) 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.

North/Northeast Code Abatement:
Deferred loan of $20,000 to address exterior code citations from the City of Minneapolis. Household income must be less than 60% area median income.

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, 20-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

Contact Northeast HousingResource Center at 612-378-7985 for more information.

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 $93,100.00, 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, 20-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

Downpayment assistance is available to purchase a newly constructed home within the Humboldt Greenway development that has not been previously owned. Deferred loan of up to $44,000 is available for incomes less than 115% of the area median income. The amount of the loan is based on an affordability GAP and household income.

Contact Southside HousingResource Center at 612-722-7141 for more information.

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 $93,100.00, 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, 20-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

Contact Southside HousingResource Center at 612-722-7141 for more information.

Commercial Matching Grant Program:

Homebuyer Assistance:
Downpayment and closing cost assistance for buyers in McKinley, $4,000 forgiven after 5 years. Need not be a first time homebuyer.

Community Fix up Fund:
Loans up to $35,000 at a lower interest rate, payable over 20 years. Fees and prepayment penalties apply. Household income must be less than $93,100. For North Mpls only.

North/Northeast Code Abatement:
Deferred loan of $20,000 to address exterior code citations from the City of Minneapolis. Household income must be less than 60% area median income.

Contact Southside HousingResource Center at 612-722-7141 for more information.

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, 20-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

Contact Southside HousingResource Center at 612-722-7141 for more information.

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 $93,100.00, 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, 20-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

Contact Southside HousingResource Center at 612-722-7141 for more information.

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 $93,100.00, 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, 20-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

Contact Northeast HousingResource Center at 612-378-7985 for more information.

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 $93,100.00, 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, 20-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

Contact Northeast HousingResource Center at 612-378-7985 for more information.

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 $93,100.00, 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, 20-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

Contact Northeast HousingResource Center at 612-378-7985 for more information.

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 $93,100.00, 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, 20-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

Contact Southside HousingResource Center at 612-722-7141 for more information.

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 $93,100.00, 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, 20-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

Contact Southside HousingResource Center at 612-722-7141 for more information.

Homestead Matching Grant Program:
A grant up to $12,000.00 is available for improving exterior and interior plumbing/electrical, heating/cooling, handicap accessibility, maintenance and energy costs of homes and garages. Properties with no more than four dwellings are eligible. There is no income restriction although applicants with a family income greater than 50% of 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.

Homebuyer Program:
Up to $5,000.00 available for down payment/closing costs. Eligible properties must be in the Ventura Village neighborhood. Properties must be owner occupied. Program can be used in conjunction with other MHFA programs such as CASA, HAF, ECHO, MMP, etc. No income limit.

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 $93,100.00, 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

Contact Northwest HousingResource Center at 612-588-3033 for more information.

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
The program is currently closed. Victory will be starting a new program very soon. Contact the Housing Resource Center northwest 612-588-3033 to add your name to the mailing list for when information becomes available.

Business Matching Grant
Matching grant of up to $5,000 for exterior improvements with an additional $3,000 matching for coordinated façade improvements with three or more businesses.

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 $93,100.00, and most home improvements qualify except for luxury items, such as swimming pools. This is a program of the Minnesota Housing Finance Agency (MHFA) For North Mpls only.

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, 20-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.

North/Northeast Code Abatement:
Deferred loan of $20,000 to address exterior code citations from the City of Minneapolis. Household income must be less than 60% area median income.

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

Contact Northeast HousingResource Center at 612-378-7985 for more information.

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 $93,100.00, 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, 20-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

Contact Northeast HousingResource Center at 612-378-7985 for more information.

Community Fix up Fund:
Loans up to $35,000 at a lower interest rate, payable over 20 years. Fees and prepayment penalties apply. Household income must be less than $93,100. For Webber-Camden only.

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, 20-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.

North/Northeast Code Abatement:
Deferred loan of $20,000 to address exterior code citations from the City of Minneapolis. Household income must be less than 60% area median income.

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

Contact NorthMetro HousingResource Center at 651-486-7401 for more information.

Mounds View Housing Replacement Program:

Demolition Assistance:

This program provides financial assistance to cover the cost of demolishing substandard or blighted property with an agreement that it will be replaced within a specified time frame with a new home that meets certain minimum design standards and area requirements. Properties meeting funding criteria may receive assistance up to $10,000 in the form of a ten-year forgivable interest- free loan, with a 10% reduction in principal each year.

Acquisition:

This option involves the purchase of substandard single-family home and land by the City of Mounds View Economic Development Authority (EDA) from a willing seller. The EDA will coordinate the site clearance and market the site to a developer/owner with an agreement that a new home would be constructed within a specified time frame that meets certain minimum design standards and area requirements.

Ramsey County Deferred Loan:
This zero interest loan is for owner-occupied, single family properties in Suburban Ramsey County. Maximum loan is $15,000 for home improvements necessary to meet minimum housing quality standards. Eligible properties must be at least 15 years old and meet the estimated market value limit. Condominium and townhomes are eligible for interior repairs only. The loan is divided into two tiers:

Tier One - Low Income Households:

For households with a gross annual income at or below 50% of the area median income. The loan is forgiven at a rate of 10% per year. The loan is completely forgiven if the home is not sold and title is not transferred for 10 years after receiving the loan.

Tier Two - Moderate Income Households:

For households with a gross annual income between 50% and 80% of the area median income. Repayment of the entire loan is deferred until the house sold, title is transferred or in some cases the mortgage is refinanced.

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 zero percent loan is for up to $15,000 in permanent repairs to owner-occupied homes. Eligible properties include: single family detached homes, duplexes, condominiums, townhomes and mobile/manufactured homes. Household gross annual income must be at or below 30% of the area median income. The loan is forgiven if the homeowner remains in the home for 20 years after receiving the loan (15 years for manufactured homes).

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

Contact Northwest HousingResource Center at 612-588-3033 for more information.

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.

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

Contact NorthMetro HousingResource Center at 651-486-7401 for more information.

Ramsey County Deferred Loan:
This zero interest loan is for owner-occupied, single family properties in Suburban Ramsey County. Maximum loan is $15,000 for home improvements necessary to meet minimum housing quality standards. Eligible properties must be at le