SINGLE FAMILY
REHABILITATION

 

 

Availability:
Services are available to qualified homeowners of Cook, Lake, and St. Louis Counties (excluding the City of Duluth).

Program Description: 
AEOA administers a variety of loan and grant programs for homeowners to make basic improvements to the safety, livability, energy efficiency and accessibility of their home.

Eligibility:

  • You have owned and occupied your home as your principal residence for at least 6 months.
  • You do not have delinquent property taxes.
  • You have homeowner's insurance.
  • You are current on all mortgage payments, if applicable.
  • You are within the program income limits.

 

 


Available programs include, but are not limited to:

  

Minnesota Finance Housing Finance Agency (MHFA)

 Income Limits:

Household Size1 23 45 67 8
Income$21,700 $24,800$27,900 $31,000$33,500 $36,000$38,500 $41,000

 

Program Name: MHFA Rehabilitation Loan Program
Eligible Improvements: Basic improvements to the safety, livability and energy efficiency of the home. Improvements include, but are not limited to: windows, doors, roofing, siding, electrical, HVAC
Loan Terms: 0% interest, deferred, 15 year term
Service Area Program is Available: Cook, Lake and St. Louis County, excluding the City of Duluth
Maximum Loan Amount: $27,000

Program Name: MHFA Emergency Loan
Program Eligible Improvements: Emergency repairs and/or accessibility improvements such has ramp or bathroom modifications to improve accessibility
Loan Terms: 0% interest, deferred, 15 year term
Service Area Program is Available: Cook, Lake and St. Louis County, excluding the City of Duluth
Maximum Loan Amount: $15,000

St Louis County Community Development Block Grant (CDBG)

 Income Limits:

Household Size1 23 45 67 8
Income$26,900 $30,750$34,600 $38,400$41,500 $44,550$47,650 $50,700

 

Program Name: CDBG Single Family Rehab
Eligible Improvements:Basic improvements to the safety, livability and energy efficiency of the home. Improvements include, but are not limited to: windows, doors, roofing, siding, electrical, HVAC
Loan Terms: 0% Interest , 10 Year Term
Service Area Program is Available: St. Louis County, excluding the City of Duluth
Maximum Loan Amount: $30,000


Program Name:
CDBG Emergency

Eligible Improvements: Emergency Repairs
Service Area Program is Available: St. Louis County, excluding the City of Duluth
Maximum Loan Amount: $1,000

 

DEED Small Cities Development Program (SCDP)

 Income Limits:

Household Size1 23 45 67 8
Income$41,550 $47,300$53,200 $59,100$63,850 $68,600$73,300 $78,050

 

Program Name: Silver Bay SCDP 
Eligible Improvements: Basic improvements to the safety, livability and energy efficiency of the home. Improvements include, but are not limited to: windows, doors, roofing, siding, electrical, HVAC
Loan Terms: 0% interest, deferred, 7 year term
Service Area Program is Available: Target Area of SIlver Bay, Contact AEOA for details
Maximum Loan Amount: $24,750

Program Name: Two Harbors SCDP
Program Eligible Improvements: Emergency repairs and/or accessibility improvements such has ramp or bathroom modifications to improve accessibility
Loan Terms: 0% interest, deferred, 7 year term
Service Area Program is Available: Target Area of Two Harbors, Contact AEOA for details
Maximum Loan Amount: $24,750

St Louis County Subsurface Sewer Treatment System (SSTS)

 Income Limits:

Household Size1 23 45 67 8
Income$57,900 $57,900$57,900 $57,900$76,450 $76,450$76,450 $76,450

 

Program Name: Septic
Loan Terms: 0% interest, deferred, 5 year term
Service Area Program is Available: St. Louis County
Maximum Loan Amount: To be determined

Lake County Housing and Redevelopment Authority (LCHRA)

 Income Limits:

Household Size1 23 45 67 8
Income$48,950 $54,500$60,050 $65,600$70,050 $74,500$78,950 $83,400

 

Program Name: Home Energy Improvement Program (HEIP) 
Loan Terms: 0% interest, deferred, 5 year term
Service Area Program is Available: Lake County
Maximum Loan Amount: $7,500/$10,000 depending on income

Program Name: Emergency
Loan Terms: N/A
Service Area Program is Available: Lake County
Maximum Grant Amount: $1,000
Income Limits: EAP Guidelines

 

Contact:

Kim Perrella
(218) 735-6879
(800) 662-5711 ext. 6879
This email address is being protected from spambots. You need JavaScript enabled to view it.

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