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Housing Rehabilitation Loan Program (RLP): Helps homeowners who are low-income make their homes safer, more livable, accessible, and energy efficient. Eligible improvements include plumbing, electrical wiring, roofing, heating, accessibility modifications, and any repair needed to meet code requirements. Loans are deferred, with a lien on the property, and are forgivable after 15 years if the home remains the owner’s primary residence.

Includes mobile homes in a mobile home park, with a 10-year term.

Housing Accessibility/Emergency Loan Program (ELP): Assists homeowners with urgent repairs or essential accessibility improvements to their home. Guidelines and terms for this loan are the same as for the Rehab Loan Program.

Provides home improvement loans such as: - Rehabilitation Loan Program (RLP) to help low-income households address health and safety improvements. Funds are used for basic home improvements that directly affect the home's safety, habitability, or energy efficiency to homeowners. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Emergency and Accessibility Loan Program (ELP) addresses home improvements or essential accessibility improvements. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Fix-up loan with low-interest to fix basic and necessary home improvements that qualify such as electrical wiring, plumbing repairs, well or septic repair/replacement, windows, siding, or other basic improvements that affect the safety or energy efficiency of the home. The loan maximum amount is $75,000.

Provides home improvement loans such as: - Rehabilitation Loan Program (RLP) to help low-income households address health and safety improvements. Funds are used for basic home improvements that directly affect the home's safety, habitability, or energy efficiency to homeowners. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Emergency and Accessibility Loan Program (ELP) addresses home improvements or essential accessibility improvements. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Fix-up loan with low-interest to fix basic and necessary home improvements that qualify such as electrical wiring, plumbing repairs, well or septic repair/replacement, windows, siding, or other basic improvements that affect the safety or energy efficiency of the home. The loan maximum amount is $75,000.

Provides home improvement loans such as: - Rehabilitation Loan Program (RLP) to help low-income households address health and safety improvements. Funds are used for basic home improvements that directly affect the home's safety, habitability, or energy efficiency to homeowners. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Emergency and Accessibility Loan Program (ELP) addresses home improvements or essential accessibility improvements. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Fix-up loan with low-interest to fix basic and necessary home improvements that qualify such as electrical wiring, plumbing repairs, well or septic repair/replacement, windows, siding, or other basic improvements that affect the safety or energy efficiency of the home. The loan maximum amount is $75,000.

MN Housing Rehabilitation Loan Program: Helps low-income homeowners make their homes safer, more livable, accessible, and energy efficient. Eligible improvements include plumbing, electrical wiring, roofing, heating, accessibility modifications, and any repair needed to meet code requirements. Loans are deferred, with a lien on the property, and are forgivable after 15 years if the home remains the owner's primary residence. Includes mobile homes in a mobile home park, with a 10-year term. MN Housing Accessibility/Emergency Loan Program: Assists homeowners with urgent repairs and essential accessibility improvements to their home. Guidelines and terms for this loan program are the same as for Rehab Loan Program.

Programs for homeowners and rental property: - OCHRA Housing Rehabilitation Loan Program: Rehabilitation Loan funds and Accessibility Loan funds - MHFA Rehabilitation Program - Rochester Community Development Block Grant (CDBG) Rehabilitation Program​​

​Applications are accepted when funds are available

MN Housing Rehabilitation Loan Program: Helps low-income homeowners make their homes more livable, accessible, and energy efficient. Eligible improvements include plumbing, electrical wiring, roofing, heating, accessibility modifications, and any repair needed to meet code requirements. Loans are deferred, with a lien on the property, and are forgivable after 15 years if the home remains the owner's primary residence. Includes mobile homes in a mobile home park, with a 10-year term. MN Housing Accessibility/Emergency Loan Program: Assists homeowners with urgent repairs and essential accessibility improvements to their home. Guidelines and terms for this loan program are the same as for Rehab Loan Program.

Provides home improvement loans such as: - Rehabilitation Loan Program (RLP) to help low-income households address health and safety improvements. Funds are used for basic home improvements that directly affect the home's safety, habitability, or energy efficiency to homeowners. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Emergency and Accessibility Loan Program (ELP) addresses home improvements or essential accessibility improvements. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Fix-up loan with low-interest to fix basic and necessary home improvements that qualify such as electrical wiring, plumbing repairs, well or septic repair/replacement, windows, siding, or other basic improvements that affect the safety or energy efficiency of the home. The loan maximum amount is $75,000.

Provides home improvement loans such as: - Rehabilitation Loan Program (RLP) to help low-income households address health and safety improvements. Funds are used for basic home improvements that directly affect the home's safety, habitability, or energy efficiency to homeowners. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Emergency and Accessibility Loan Program (ELP) addresses home improvements or essential accessibility improvements. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Fix-up loan with low-interest to fix basic and necessary home improvements that qualify such as electrical wiring, plumbing repairs, well or septic repair/replacement, windows, siding, or other basic improvements that affect the safety or energy efficiency of the home. The loan maximum amount is $75,000.

Provides home improvement loans such as: - Rehabilitation Loan Program (RLP) to help low-income households address health and safety improvements. Funds are used for basic home improvements that directly affect the home's safety, habitability, or energy efficiency to homeowners. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Emergency and Accessibility Loan Program (ELP) addresses home improvements or essential accessibility improvements. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Fix-up loan with low-interest to fix basic and necessary home improvements that qualify such as electrical wiring, plumbing repairs, well or septic repair/replacement, windows, siding, or other basic improvements that affect the safety or energy efficiency of the home. The loan maximum amount is $75,000.

MN Housing Rehabilitation Loan Program: Helps low-income homeowners make their homes more livable, accessible, and energy efficient. Eligible improvements include plumbing, electrical wiring, roofing, heating, accessibility improvements, and remedy of any defect preventing the structure from meeting code requirements. Loan places a 15-year mortgage on the property and is forgivable after 15 years only if it remained the owner’s principal place of residence. Includes mobile homes in a mobile home park, with a 10-year term. MN Housing Accessibility/Emergency Loan Program: Assists homeowners needing emergency assistance and/or essential accessibility improvements to their home. Guidelines and terms for this loan program are the same as for the Rehab Loan Program.

Provides home improvement loans such as: - Rehabilitation Loan Program (RLP) to help low-income households address health and safety improvements. Funds are used for basic home improvements that directly affect the home's safety, habitability, or energy efficiency to homeowners. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Emergency and Accessibility Loan Program (ELP) addresses home improvements or essential accessibility improvements. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Fix-up loan with low-interest to fix basic and necessary home improvements that qualify such as electrical wiring, plumbing repairs, well or septic repair/replacement, windows, siding, or other basic improvements that affect the safety or energy efficiency of the home. The loan maximum amount is $75,000.

Fix Up Loan Program: affordable, fixed-rate loans for home repairs, remodels, and energy and accessibility improvements. Secured and unsecured loan options available up to $50,000. May hire a contractor or do the work yourself on single-family homes, duplexes, triplexes, and fourplexes that are owner-occupied. Rehabilitation Loan/Emergency and Accessibility Loan Programs: financing of basic home improvements for low-income homeowners that directly affect the safety, habitability, energy efficiency, or accessibility of their homes. The Emergency and Accessibility Loan Program is available for home improvements addressing emergency conditions of the home or accessibility needs for a disabled household resident, subject to prior approval by Minnesota Housing. The maximum loan amount is $27,000. Loans are forgiven if the borrower does not sell, transfer title, or cease to occupy the property during the loan term. Various property types are eligible, including, but not limited to, single-family homes, duplexes, a condominium unit, and manufactured housing taxed as real or personal property.

Programs that help qualified households afford basic improvements to the safety, livability, energy efficiency, and accessibility of the home as well as assist when an emergency is identified that threatens the household's health and safety. Project costs must be a minimum of $1,000.00 to qualify for assistance.

All loans are deferred loans with no interest and no payments during the life of the loan. The loan is forgiven when the term is reached provided the individual occupies and owns the property during the entire loan term. These programs include: - Emergency & Accessibility Loan Program (ELP)

- Community Block Development Grant (CBDG)

- Rehabilitation Loan Program (RLP)

- Rural Development Housing Preservation Grant Program (RDHPG)

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.

MN Housing Rehabilitation Loan Program: Helps low-income homeowners make their homes safer, more livable, accessible, and energy efficient. Eligible improvements include plumbing, electrical wiring, roofing, heating, accessibility modifications, and any repair needed to meet code requirements. Loans are deferred, with a lien on the property, and are forgivable after 15 years if the home remains the owner's primary residence.

Includes mobile homes in a mobile home park, with a 10-year term.

MN Housing Accessibility/Emergency Loan Program: Assists homeowners with urgent repairs and essential accessibility improvements to their home. Guidelines and terms for this loan program are the same as for Rehab Loan Program.

MN Housing Rehabilitation Loan Program: Helps low-income homeowners make their homes safer, more livable, accessible, and energy efficient. Eligible improvements include plumbing, electrical wiring, roofing, heating, accessibility modifications, and any repair needed to meet code requirements. Loans are deferred, with a lien on the property, and are forgivable after 15 years if the home remains the owners primary residence.

Includes mobile homes in a mobile home park, with a 10-year term.

MN Housing Accessibility/Emergency Loan Program: Assists homeowners with urgent repairs and essential accessibility improvements to their home. Guidelines and terms for this loan program are the same as for Rehab Loan Program.

Provides home improvement loans such as: - Rehabilitation Loan Program (RLP) to help low-income households address health and safety improvements. Funds are used for basic home improvements that directly affect the home's safety, habitability, or energy efficiency to homeowners. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Emergency and Accessibility Loan Program (ELP) addresses home improvements or essential accessibility improvements. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Fix-up loan with low-interest to fix basic and necessary home improvements that qualify such as electrical wiring, plumbing repairs, well or septic repair/replacement, windows, siding, or other basic improvements that affect the safety or energy efficiency of the home. The loan maximum amount is $75,000.

MN Housing Rehabilitation Loan Program: Helps low-income homeowners make their homes safer, more livable, accessible, and energy efficient. Eligible improvements include plumbing, electrical wiring, roofing, heating, accessibility modifications, and any repair needed to meet code requirements. Loans are deferred, with a lien on the property, and are forgivable after 15 years if the home remains the owner's primary residence.

Includes mobile homes in a mobile home park, with a 10-year term.

MN Housing Accessibility/Emergency Loan Program: Assists homeowners with urgent repairs and essential accessibility improvements to their home. Guidelines and terms for this loan program are the same as for Rehab Loan Program.

Single Family Homes Community Development Block Grant (CDBG) Loan Program Homeowners may receive a maximum of $25,000 for basic home improvements such as windows, siding, electrical wiring, plumbing, roofing, heating, energy-saving improvements, or improvements to meet the needs of a disabled person. The primary focus of the funds is to be used for health, safety, and weatherization issues. The loan is “deferred,” meaning that it is interest-free and requires no monthly payments. It is a mortgage that will be filed on the property. Clients need to pay the loan back in full when they sell the property or refinance the property, if it ceases to be the client's primary residence, or after 30 years. Homestead Incentive Program To aid in the revitalization of Saint Cloud Core Neighborhoods and help counter the trend of non-owner-occupied homes. The Saint Cloud HRA will provide an incentive to qualified buyers who purchase and homestead a Saint Cloud Core Neighborhood property with a deferred loan of $3,000. MHFA Rehab Loan Program Homeowners may receive a maximum of $24,999 for rehab of health, safety, and/or weatherization-related issues if they are within the city limits of Saint Cloud and the home is owner-occupied. The loan is “deferred,” meaning that it is interest-free and requires no monthly payments. It is repayable at the time of sale, refinance, or ceasing to be the owner's primary residence, or forgiven after 15 years. Multi-Family Homes Rental Rehab Deferred Loan (RRDL) Program Saint Cloud HRA has received RRDL funding for properties within the city limits and is available to eligible properties. RRDL funding is provided to approved owners and properties as a 0% interest deferred loan. Funds can be used to cover the costs of eligible project soft costs and rehabilitation items. Common rehab items include roofing, siding, windows, doors, floor coverings, painting, appliances, plumbing, HVAC and mechanical systems. RRDL funding is only available to properties meeting rent and tenant income limit requirements. In addition, owners of approved projects must agree to maintain rent and income limits for a set compliance period based on the term of the loan. Please note, only completed applications with all required attachments will be accepted.

Provides home improvement loans such as: - Rehabilitation Loan Program (RLP) to help low-income households address health and safety improvements. Funds are used for basic home improvements that directly affect the home's safety, habitability, or energy efficiency to homeowners. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Emergency and Accessibility Loan Program (ELP) addresses home improvements or essential accessibility improvements. No monthly payments but there is a lien on the home where the homeowner must remain in the home for 15 years to be forgiven. - Fix-up loan with low-interest to fix basic and necessary home improvements that qualify such as electrical wiring, plumbing repairs, well or septic repair/replacement, windows, siding, or other basic improvements that affect the safety or energy efficiency of the home. The loan maximum amount is $75,000.