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 Size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 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 Size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 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 Size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 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 Size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 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 Size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 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
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