Home Improvement Loans

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Rehabilitation Loan Program (RLP)

This is a Minnesota Housing program that is designed to help very low income people to address health and safety improvements.

This is a deferred loan – this means no monthly payments, but there is a lien on the home. You must remain in the home for 15 years to be forgiven (10 years if it is a mobile home in a park).

Fact Sheet is located below.  Please contact MVAC for an application.

Fix-up Loan

  • This is a Minnesota Housing pay-back home improvement loan.
  • Most basic and necessary home improvements qualify.
  • Low Interest Loan – must qualify through credit, equity and affordability.
  • Both secured (lien against property) and unsecured (no lien) are offered based on certain criteria.

Fact Sheet, Application and other information to send with is located below.  Please call if you have any questions.

Small Cities Development Program (SCDP)

Minnesota Valley Action Council works with different communities to bring funds to that community to address both home and commercial improvement needs.

Please contact MVAC for current open projects.