SINGLE FAMILY
REHABILITATION

 

 

Availability:
Services are available to eligible 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 are current on all mortgage payments, if applicable.
  • You are within the program income limits or credit requirements

 

 


Available programs include, but are not limited to:

  

Minnesota Housing Finance Agency (MHFA)

 Income Limits:

Household Size1 23 45 67 8
Income$24,700 $28,200$31,700 $35,200$38,100 $40,900$43,700 $46,500

 

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: $37,500

Program Name: MHFA Emergency Loan Program
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: $27,000

St Louis County Community Development Block Grant (CDBG)

 Income Limits:

Household Size1 23 45 67 8
Income$26,750 $30,550$34,350 $38,150$41,250 $44,300$47,350 $50,400

 

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 Maintenance Rehab

Eligible Improvements: Repairs to improve safety and livability
Service Area Program is Available: St. Louis County, excluding the City of Duluth
Maximum Grant Amount: $1,000

 

DEED Small Cities Development Program (SCDP)

 Income Limits:

Household Size1 23 45 67 8
Income$46,700 $53,350$60,000 $66,650$72,000 $77,350$82,650 $88,000

 

Program Name: Two Harbors SCDP
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, 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)

 Grant Income Limits:

Household Size1 23 45 67 8
Income$68,250 $68,250$68,250 $68,250$90,100 $90,100$90,100 $90,100

 

Program Name: Septic Grant
Loan Terms: 0% interest, deferred, 5 year term
Service Area Program is Available: St. Louis County
Maximum Loan Amount: Based on system design

Program Name: Septic Low Interest Loan
Loan Terms: 3% interest 10 year term
Service Area Program is Available: St. Louis County
Maximum Loan Amount: $50,000 income limits above not applicable

 

Lake County Housing and Redevelopment Authority (LCHRA)

 HEIP 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) 
Eligible Improvements: Windows, doors,furnaces and duct work, water heaters, wall and ceiling insulation, roofing
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 Grant
Service Area Program is Available: Lake County
Maximum Grant Amount: $1,000
Income Limits: EAP Guidelines

 

Contact:

Beth Davies
(218) 735-6819
(800) 662-5711 ext. 6819

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