- Non-profit agency committed to working with low income families of working poor to build decent housing with the aid of volunteers - Sweat equity program requires 300 hours work per per family sweat equity hours

With funding provided by the Minnesota Housing Finance Agency, United Community Action Partnership (UCAP) purchases homes to be rehabilitated and sold to qualifying buyers: - Buyer makes monthly payments equal to 25% of their annual household's gross income - Buyer purchases the home on a Contract for Deed with a 0% interest rate

Non-profit agency committed to working with low income families to build decent housing with the aid of volunteers. A minimum of 350 sweat equity hours is required (a combination of construction, financial literacy program, home stretch and other homeowner related workshops) per adult.

Section 8 Home Ownership - Section 8 voucher holders may be eligible for the Section 8 homeownership program - The rental assistance voucher can be used toward a monthly mortgage payment First-Time Homebuyer Program - Allocation for loans to first-time homebuyers available - First-time homebuyers or people who have not owned a home in the last three (3) years may qualify - The minimum requirements are buyers must have a minimum credit score of 640 and must meet income guidelines Homes and Lots for Sale Lots and homes are for sale to any person(s) who are at or below the following income guidelines: - 1-2 persons: $80,400/year - 3 + persons: $92,460/year Lots and homes for sale in the Cities of Elgin, Kenyon, St. Charles, and Wabasha - Income guidelines apply only to the first household to occupy a house - Restrictive covenants are assigned with the lots - The monitoring of each lot will be in effect from lot purchase through the issuance of the Certificate of Occupancy - Private developers are welcome to purchase lot but must sell to buyers who qualify per the income guidelines - Lots prices start at $15,600 and are sold 'as is'

Aims to support investment in rental units, expand affordable homeownership options, and ensure income-based housing availability. Offers the following services: - Down Payment Assistance Program: Provides a loan of up to $10,000 per homebuyer, in the form of a 30-year 0% interest deferred second mortgage that is due when the home is sold, the buyer fails to occupy it as a primary residence, or the first mortgage is satisfied. - New construction incentives: Incentives include free boulevard trees and free water usage for one year to promote lawn establishment. - Tax Increment Financing: The costs of special assessments for sewer, water, and street improvements are reduced for qualified buyers (approximately $15,000 value). Perham offers residential TIF to qualified homebuyers who own and live in Westwind, Clearwater, Victory Estates, or Prairie's Edge subdivisions. Applicants must live/intend to live in a single-family owner-occupied home in one of the subdivisions identified above, and the household's gross annual income does not exceed: - Family of 2 or fewer (at 100% of the federal poverty line) - Family of 3 or more (at 115% of the federal poverty line)

- Dedicated to the elimination of poverty housing by building homes, hope, and community in Itasca County - Provide housing for families who are living in substandard housing (overcrowded, unsafe, poorly insulated, etc.) who could otherwise not afford it; at a no interest and no profit rate - Prospective families must be able to work on their homes as well as be responsible for payments - Habitat For Humanity will build homes and act as a local mortgage company to a family selected to purchase the home - Offers classes on financial readiness, homeowner education, and skills to care for their new home - The no-interest, affordable mortgage is set up over a 25-30 year period and the payments are then used to help build more houses for other families in Itasca County - 2-3 families picked per year for consideration for home through the application process

Builds and improves homes in partnership with local families. Habitat homebuyers help build their home alongside volunteers, then purchase the home with an affordable mortgage.

- Housing based on need with little or no interest and at no profit - Partners with family to build or renovate simple, decent, affordable housing - Before moving in the family contributes labor and funds for taxes and insurance - Family support during partnering year - Donations accepted for funds and building equipment - Volunteer opportunities including flooring, handywork, masonry, painting, roofing, and lawn care - Not a short-term solution

- Builds homes with donated funds and volunteer labor and sells them to low income families at no profit and no interest - People who will live in home are required to put in labor - Volunteer opportunities - Newsletter: Habitat Happenings

Provides affordable mortgages to low-income buyers that qualify

Affordable home ownership program that provides individuals with the education and support to be successful in their homebuying journey. Helps individuals realize their homeownership dream with either a home built by Habitat, or working with a realtor to find one on the open market. Monthly mortgage payments are kept affordable, at or below 30% of household income.

Habitat homes are built or renovated using as much volunteer labor and donated materials as possible. The recipient(s) must be involved in the construction of the homes. Houses are sold to recipient families or individuals at no profit, and no-interest mortgages are issued over a fixed period. Small monthly mortgage payments, including taxes and insurance, are repaid over an average of 30 years and deposited into a revolving "Fund For Humanity" which supports the construction of more houses.

Provides a hand-up to low-income families that are unable to qualify for a traditional home mortgage through a lender or other programs. Does not give houses away for free, but instead offers affordable low-interest mortgages to families that qualify. - Partners with families to build simple, decent affordable housing - Before moving in must contribute: 300 hours of labor for a couple, 200 hours of labor for a single adult/parent - Family receives support during the partnering year

- Nonprofit housing developer for low- to moderate-income housing. - Sells single-family homes and condos at below-market rates to income-qualified households. - Provides planning and development services to neighborhood and community groups interested in providing affordable housing and housing related services, with particular expertise in meeting culturally specific housing needs. - Does NOT provide emergency housing or referrals.

- Builds affordable housing for people in the area community who are economically challenged. - Requires selected homeowners to perform sweat equity or help build their own home or the homes of others in the homeownership program.

Partner families work in partnership with Habitat by providing "sweat equity" and purchasing their homes through an affordable mortgage. The mortgage payments are put back into a revolving fund to build with more families in need in the community. Families must qualify for the program by demonstrating their need for housing, their willingness to partner, and their ability to repay an affordable mortgage. North Saint Louis County Habitat for Humanity is an equal housing opportunity agency.

Habitat homes are built by partner families who contribute hundreds of hours of sweat equity together with many volunteers supplemented by donated materials and contributed funds. Habitat then sells these completed homes to the partner family with a mortgage that does not exceed 30% of their income. Families monthly payment for subsidized interest rate mortgage, real estate, taxes, and homeowner insurance is below 30% maximum of household income.

Builds homes in partnership with qualifying partner families and the community, and then sells them at no profit with zero-percent interest mortgages to partnering families.

- Builds affordable housing for people in the area community who are economically challenged. - Requires selected homeowners to perform sweat equity or help build their own home or the homes of others in the homeownership program.

The Affordable Housing Program partners with the Minnesota Department of Corrections to create affordable housing in West Central Minnesota. Homes are built and modified by request to make homes more accessible. A variety of floor plans are available depending on the family's needs. The homes built are durable, energy efficient, and require minimal maintenance. Housing staff can assist in the steps of purchasing a new home, the mortgage lending process, and refer households to lenders such as the First Time Homebuyer programs and Rural Development programs.

Homeownership opportunities for low income families with third party financing