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.

Administration Mayor and City Council Members Building Department - Building permits - Code and zoning enforcement - Electrical permits and inspections: Call Sloth Inspections to schedule inspection (763)421-2360 - Rental licensing and Inspections Program: Call Rum River Consultant to schedule inspection (763)331-7722 City Attorney Economic Development - Includes major planning, capital improvements, and redevelopment proposals Elections - Ballot information, election information, serving as an election judge, voter registration, and voting absentee/voting early Finance Department - Coordination and planning of all city financial information including annual budget and tax levy - Process accounts receivable, accounts payable, and utility billing. Call or visit website for online payment License and Permit - Liquor and tobacco license - Sign permits - Special event permit Parks and Recreation - Community center - Parks and Trails - Recreation activities Public Works Department - Includes maintenance of all parks, public properties and facilities, sanitary sewer services, streets, snow removal, and stormwater management - Recycling: Includes organic, solid waste, and yard waste. Call or visit website for more information

Several programs are available for owner occupied, commercial, and rental properties. These programs provide assistance with home or building repairs in the form of either forgivable loans, low-interest loans, or grants. Eligibility is limited by some program requirements. There are also restrictions on the type of repairs allowed. Programs include: - MN Housing program - Rehabilitation Loan Program (RLP) - Emergency Loan Program (ELP) - Minnesota Housing Ownership Program - First Generation Home Buyer Loan Program - MoRR Loan Program

Several programs are available for owner occupied, commercial, and rental properties. These programs provide assistance with home or building repairs in the form of either forgivable loans, low-interest loans, or grants. Eligibility is limited by some program requirements. There are also restrictions on the type of repairs allowed. Programs include: - MN Housing program - Rehabilitation Loan Program (RLP) - Emergency Loan Program (ELP) - Minnesota Housing Ownership Program - First Generation Home Buyer Loan Program - MoRR 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.

Mayor and City Council Member Contact Information Community Development - Responsible for planning and managing physical growth and expansion. Includes housing, inspections, planning and zoning, economic development and mass transit. Finance - Administers financial accounting and reporting, including fiscal budget, financial statements, internal audits, budget control, and purchasing. Human Resources - Responsible for benefits administration, compensation administration, employee and labor relations, wellness, training and development, payroll, job descriptions, job opportunities, and recruitment and selection. Information Technology - Manages technology equipment, wireless devices, network security, network connectivity, cellular and desktop telephone communications, software application development and support, information management, and training. Mayo Clinic Health System Event Center - Center for meetings and entertainment in the City Center. Includes a 6,500 seat arena, large exhibit/banquet hall, conference center, and reception and banquet halls. Public Information and Engagement - Works to increase awareness through the website, newsletters, news releases, special events, utility bill inserts, focus groups, public engagement, and videos. Public Utilities - Utility services include water, water reclamation, and curbside pick-up of recycling and refuse. Public Works - Oversees planning and designing of sanitary sewers, water mains, streets and sidewalks, parks, public landscaping; inspects construction; reviews new site plans, developments, and private improvement projects; and monitors, analyzes and modifies traffic patterns.

Provides several programs for homeowners who may need help with their current home situation. Services provided: - Foreclosure Support: Households who are behind on their mortgage payments can work with a Foreclosure Counselor to assess their financial situation, provide realistic solutions, help them negotiate a workable plan with their lender, and find community resources to help with other needs. - Home Improvement Loans: Funding options are available through grant and loan programs such as the Small Cities Development Program, Federal Home Loan Bank, and the Minnesota Housing Finance Agency. - Refinance Counseling: Advisors are available to homeowners to review their current mortgage information and outline costs versus benefits of their decision to refinance. Advisors will create a household budget, compare different loan products, and review loan documents.

Homestretch Home Buyer Education Program: A homebuyer education program that provides information on home purchasing loan options, purchase agreements, loan closings, budgeting, and home maintenance after the purchase. After class completion, a certificate is obtained which may enable the participant to apply for certain loan programs. MHFA Rehabilitation Loan: Income-based deferred loans for improvements for basic, necessary housing repair to owner-occupied properties. There is no interest or monthly payment until the owner sells, transfer or move from the property or until after the 15th year when the deferred loan is due and payable. Loans is also available to mobile/manufactured homes taxed as personal property located in a mobile home park. Small Cities Development Program Rehab Loans: Income-based deferred grants to low to moderate-income households living in substandard housing. The program encourages the improvement of the general appearance and value of the housing stock while making a visible and substantial improvement in the quality of life in the community. Funds are also available to commercial and rental property owners. This program can provide upgrades to properties, helping them meet code requirements and design standards. Small Cities' grants require a match from the owner of the property. Most grants are written as a 70-80% grant funds and a 20-30% owner match for project funding. There is a maximum amount of funds that a project can receive as well. Prairie Five will assist in determining the match and other funding sources or options that may be available to fund the match requirement, if needed.

Owner-Occupied Deferred Home Repair Loans SEMMCHRA, through the State of Minnesota's Small Cities Development Program, has established a deferred loan program in cities throughout our service area. The purpose of this program is to assist moderate-income households by improving the quality of their living environment through the repair and renovation of their home. A deferred loan does not have to be repaid unless the owner sells, transfers title or moves from the property within 10 years. Rental Rehabilitation Deferred Loan (RRDL) Program provides zero interest deferred loans of up to $300,000 for property improvements for aging properties Borrower eligibility: - Individuals, developers, non-profits, unit of government, and tribal housing corporations - Meet minimum credit worthiness guidelines Property and improvement/renovation project must meet eligibility requirements: - Renovations or repairs to an existing structure which materially preserve or improve the basic livability, safety, or utility of the property. Improvements include: - Roofs - Boilers and mechanical systems - Energy and water saving improvements

Offers the following housing programs: - Public housing for the elderly and families - Section 8 rental assistance - MHFA - rehabilitation programs - MHFA - rental rehabilitation referrals - MHFA - city participation program - Market rate rentals - Elbow Lake, Ashby and Hoffman - Rural Development - 515 rental units - Ashby - Hoffman Center Apartments

Mayor and City Council Member Contact Information Services: Administration Department - City Clerk - Human Resources Manager Building Department - Main phone number - Building inspection information - Construction permit information City Clerk Department - Election information

Homestretch Home Buyer Education Program: A homebuyer education program that provides information on home purchasing loan options, purchase agreements, loan closings, budgeting, and home maintenance after the purchase. After class completion, a certificate is obtained which may enable the participant to apply for certain loan programs. MHFA Rehabilitation Loan: Income-based deferred loans for improvements for basic, necessary housing repair to owner-occupied properties. There is no interest or monthly payment until the owner sells, transfer or move from the property or until after the 15th year when the deferred loan is due and payable. Loans is also available to mobile/manufactured homes taxed as personal property located in a mobile home park. Small Cities Development Program Rehab Loans: Income-based deferred grants to low to moderate-income households living in substandard housing. The program encourages the improvement of the general appearance and value of the housing stock while making a visible and substantial improvement in the quality of life in the community. Funds are also available to commercial and rental property owners. This program can provide upgrades to properties, helping them meet code requirements and design standards. Small Cities' grants require a match from the owner of the property. Most grants are written as a 70-80% grant funds and a 20-30% owner match for project funding. There is a maximum amount of funds that a project can receive as well. Prairie Five will assist in determining the match and other funding sources or options that may be available to fund the match requirement, if needed.

Provides loans, loan guarantees, and grants to individuals and families in order to buy, build, or repair affordable homes located in rural Minnesota. Eligibility for the loans and grants are based on income and varies according to the average median income for each area. The Single-Family Housing Program includes: - Non-profit entities to provide new homes or repair homes - Purchasing or building a new single-family home with no money down for homebuyers - Refinancing the current mortgage under certain qualifying circumstances - Repairing the current home for homeowners

Provides loans, loan guarantees, and grants to individuals and families in order to buy, build, or repair affordable homes located in rural Minnesota. Eligibility for the loans and grants are based on income and varies according to the average median income for each area. The Single-Family Housing Program includes: - Non-profit entities to provide new homes or repair homes - Purchasing or building a new single-family home with no money down for homebuyers - Refinancing the current mortgage under certain qualifying circumstances - Repairing the current home for homeowners

Program offers homeowners no-interest deferred loans for basic improvements to homes located in the City of Saint Paul. Qualified homeowners can receive up to $40,000 for rehab and homeowners eligible for the Inheritance Fund layers can receive up to $80,000 for rehab. Once funding is secured, the City of Saint Paul disburses the payments to the contractors when the project is complete.

Provides home improvement loans.

Home improvement loans for income eligible residents. Can be used for emergency repairs, remodeling, additions, lead abatement, accessibility modifications, and energy improvements. Loans have a sliding scale interest rate of 0 - 8%. First-time home buyers programs for eligible Saint Louis Park purchasers offering low interest loans, down payment, and closing cost assistance. There are income and purchase price limits.

Mayor and City Council Members: Member contact information Administration Department: - City Manager: (763)593-8002 - Domestic Partner Registries - Human Resources Manager: contact city hall (763)593-3989 Building Department: - Building permits are required for any new building, remodeling, repairs, or additions done on houses, garages, pools, sheds, decks, or porches. This also includes re-siding, re-roofing, or work done on drain tiles. - Inspections: (763)593-8090 City Clerk Department: - Animal Control, call Police non-emergency: (763)593-8079 - Domestic Partner Registries - Elections/Voting: (763)593-8012 Physical Development Department: - Physical Development Director and City Engineer: (763)593-8030 - Street construction/repair information - Water quality assurance information - Recycling information - Sewer maintenance information - Snow removal information - Street cleaning and street construction/repair information - Water department information - Inflow/Infiltration

Offers private homeowners and landlords low interest loans to make improvements to their homes or rental properties. Some improvements that qualify for a loan include: - Defective plumbing, heating, or electrical hazards - Floor coverings (if proven to be a hazard) - Ramps and bathroom accessibility conversions - Roof, windows, and doors - Siding or entrance steps

The Community Development Program secures state and federal programs and services for local communities including: - Improve or replace sewer systems, water towers, and infrastructures - Levy Revolving Rehab Loan Program: Administers rehab loans specifically allocated to each county and are made available as low-interest loans to homeowners and businesses - Rehabilitate existing homes and rental properties - Small Cities Development Program: Provides home and commercial rehabilitation to improve building appearances, efficiency, access, and safety

Homestretch Home Buyer Education Program: A homebuyer education program that provides information on home purchasing loan options, purchase agreements, loan closings, budgeting, and home maintenance after the purchase. After class completion, a certificate is obtained which may enable the participant to apply for certain loan programs. MHFA Rehabilitation Loan: Income-based deferred loans for improvements for basic, necessary housing repair to owner-occupied properties. There is no interest or monthly payment until the owner sells, transfer or move from the property or until after the 15th year when the deferred loan is due and payable. Loans is also available to mobile/manufactured homes taxed as personal property located in a mobile home park. Small Cities Development Program Rehab Loans: Income-based deferred grants to low to moderate-income households living in substandard housing. The program encourages the improvement of the general appearance and value of the housing stock while making a visible and substantial improvement in the quality of life in the community. Funds are also available to commercial and rental property owners. This program can provide upgrades to properties, helping them meet code requirements and design standards. Small Cities' grants require a match from the owner of the property. Most grants are written as a 70-80% grant funds and a 20-30% owner match for project funding. There is a maximum amount of funds that a project can receive as well. Prairie Five will assist in determining the match and other funding sources or options that may be available to fund the match requirement, if needed.

Numerous home improvement and rehabilitation loan programs for a variety of needs including an emergency loan program. Includes: - Owner occupied rehabiliation loans - Rental rehabilitation loans - Emergency home loans - Manufactured home loans

- Low interest home improvement loans for homeowners of Minnetonka - Low interest loans to assist first-time homebuyers with down payments and closing costs for individuals interested in purchasing a home in Minnetonka

Provides loans, loan guarantees, and grants to individuals and families in order to buy, build, or repair affordable homes located in rural Minnesota. Eligibility for the loans and grants are based on income and varies according to the average median income for each area. The Single-Family Housing Program includes: - Non-profit entities to provide new homes or repair homes - Purchasing or building a new single-family home with no money down for homebuyers - Refinancing the current mortgage under certain qualifying circumstances - Repairing the current home for homeowners

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 Rehab Loan Program.