Provides funds to help homeowners make basic permanent repairs to their home. Financing is in the form of a forgivable loan with a fifteen (15) year term at 0% interest. The loan is forgiven after the fifteen (15) year term. However, during that time, the loan will be due on sale, title transfer, or if the property ceases to be the homeowner's primary place of residence.

Lakes and Pines administers the Minnesota Housing Finance Agency Programs within the counties of Aitkin, Carlton, Isanti, Kanabec, Mille Lacs, Pine, and Chisago County. [MHFA services are provided by the Housing and Redevelopment Authority and Economic Development Authority]

How do I qualify for housing assistance?

• • You must own the property to be improved
• • It must be your principal place of residence
• • Must meet income guidelines set by Minnesota Housing
• • Must be current with your mortgage payment and property taxes
• • The net value of your assets can not exceed $25000 (Excludes home furnishings, and one vehicle)
• • Must carry home owner's insurance on home

*Single-family homes, duplexes and manufactured housing taxed as real or personal property are eligible for this program.

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