Emergency and Accessibility Loan Program (ELP) - West Central Minnesota Communities Action
1910 Aga Drive, Suite 206, Alexandria, MN 56308
Eligibility
Households who are residents of Grant, Traverse, and Wilkin must meet all eligibility criteria:
- Be current on any mortgage payments and property taxes, if applicable
- Have assets less than $25,000 and meet income requirements based on household size
- Households ages 18 years and older
- Must occupy and own the property for at least 6 months
Required documents
Application/registration form
authorize to release information and certification form
Form 4504-T Request for Transcript of Tax Returns
copies of state ID, property tax statement, three most recent months of bank statements for all accounts and other assets, rental income, child support/alimony, self-improvement, public assistance, other income, and mortgage statement
Rehabilitation Loan Programs Acknowledge form
Rehabilitation Loan Program Homeowner Agreement/Privacy Rights form
Taxpayer Request form
WCMCA Discrimination Policy form
Hours
8 am - 4:30 pm Monday - Friday
(218)405-3073
Voice
Email[email protected]
Application process
Call; visit website to print an application
Fees
Sliding scale fee/reduced fee for loan amount; no payments during life of loan; vary by service
Service area
Grant County, MN
Traverse County, MN
Wilkin County, MN
Other Information
Program Fees
- Sliding Scale/Reduced Fee
Helps qualified households finance basic home improvements that directly affect the safety and accessibility of the home. The program is a deferred loan of up to $15,000, with a 15-year term, which means no interest and no payments during the life of the loan. The loan is forgiven when the term is reached, provided the borrower occupies and owns the property during the entire loan term.
Last Assured
02/26/2026
What's Here
Providing organization
West Central Minnesota Communities Action
Empowering people while providing services and resources that impact individuals and communities in the west central Minnesota area