Emergency and Accessibility Loan Program (ELP) - West Central Minnesota Communities Action
The Emergency and Accessibility Loan Program can help 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 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.
Categories
Last assured
08/22/2025
Physical Address
1910 Aga Drive, Suite 206, Alexandria, MN 56308
Hours
8 am - 4:30 pm Monday - Friday
Voice
Voice
Fax
(320)391-4224
Application process
Call; visit website to print an application
Fee
Sliding scale fee/reduced fee for loan amount; no payments during life of loan; vary by service
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
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
Service area
Grant County, MN
Traverse County, MN
Wilkin County, MN
Agency info
West Central Minnesota Communities Action
Empowering people while providing services and resources that impact individuals and communities in the west central Minnesota area