Home Repair2018-07-26T13:28:30+00:00

Home Repair

REHABILITATION LOAN PROGRAM

The Rehabilitation Loan Program assist low-income homeowners to make basic home improvements that directly affect the safety, habitability, energy efficiency or accessibility of their homes. Funded by the Minnesota Housing Finance Agency, the Rehabilitation Loan Program, offers a NO interest, NO payment deferred loan.

Program Features

  • Maximum loan amount is $27,000.
  • Maximum loan term is 15 years for properties taxed as real property and 10 years for mobile/manufactured homes taxed as personal property.
  • Loans are completely 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.

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Are you eligible? 
You may be eligible if you:

  • Have owned & occupied your home for at least the past 6 months
  • Are current on your mortgage & property tax payments
  • Have current homeowners insurance in place
  • Do not have assets exceeding $25,000
  • Meet the following income limits (subject to change):
Household Size   Income Limits 
1 Person  $19,900 
2 Persons  $22,700 
3 Persons  $25,500
4 Persons  $28,300 
5 Person  $30,600 
6 Persons  $32,900 
7 Persons  $35,100 
8 Persons  $37,400 

Eligible Rehabilitation Improvements

  • Accessibility-related improvements
  • Energy efficiency-related improvements
  • Lead hazard mitigation
  • Radon mitigation
  • Smoke detectors/alarms
  • CO alarms
  • Structural improvements
  • Electrical Improvements
  • Plumbing improvements
  • Drainage, grading and gutters
  • Roofing, soffits and fascia
  • Siding
  • Windows and doors
  • Insulation
  • Furnaces and other heating systems
  • Well and septic repair or replace
  • Wall and ceiling repair
  • Flooring

To verify your eligibility and receive an application packet, contact our Housing Rehab Specialist, Jessica Beaulieu, E-mail: jessicab@kootasca.org, Phone: 1-877-687-1163 or 218-999-0837, or

Click Here to fill out the online form.

SMALL CITIES DEVELOPMENT PROGRAM (SCDP) – REHABILITATION LOAN PROGRAM

Low to moderate income homeowners in targeted communities can apply for funding to make permanent repairs & improvements to their homes. As long as the borrower remains owner/occupier and does not transfer the title of their home for the loan term, the loan is completely forgiven.

Eligible Rehabilitation Improvement Areas:

Livability, Energy Efficiency, Safety, and Accessibility.
These may include, but are not limited to; ramps & bathroom accessibility conversions as well as repairs and replacement of defective plumbing, heating, electrical systems, roofing, windows, doors.

Are you eligible?

You may be eligible if you:

  • Are current on your mortgage & property tax payments
  • Have current homeowners insurance in place
  • Live within the target area
  • Meet the following income limits (Subject to change):
Household Size   Income Limits 
1 Person  $38,950
2 Persons  $44,500 
3 Persons  $50,050 
4 Persons  $55,600
5 Person  $60,050
6 Persons  $64,500 
7 Persons  $68,950 
8 Persons  $73,400

To verify your eligibility, discuss loan terms or receive a preliminary application, contact our Housing Rehab Specialist, Jessica Beaulieu, E-mail: jessicab@kootasca.org, Phone: 1-877-687-1163 or 218-999-0837

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CONTRACTORS

If you are interested in working as a contractor with KOOTASCA’s Home Rehab programs, please contact us to complete the Contractor Application Packet.
KOOTASCA encourages Section 3 & Women and Minority owned businesses to apply.
Jessica Beaulieu, E-mail: jessicab@kootasca.org, Phone: 1-877-687-1163 or 218-999-0837