Home Improvement Loan Programs

Use this page to compare home improvement and energy loans available to South St. Paul residents. Start with your property type. Then open the program page for current rates, loan limits, and eligible projects.

At a Glance

• Owner-occupied home (single-family): CDA Home Improvement Loan; CEE Home Improvement Loan; SSP Home Improvement Loan (1–4 units if eligible)
• Owner-occupied 1–4 unit property: SSP Home Improvement Loan (1–4 Units); Minnesota Housing Fix Up Loan; CEE Energy Loan
• Rental or multi-family property: SSP Multi-Family Home Improvement Loan; CEE Apartment Building Loan
• Seniors: SSP Senior Deferred Home Improvement Loan
• Energy upgrades: CEE Energy Loan Program

Not sure where to start?

• If you own and live in the home, start with the Owner-occupied homes section.
• If you rent out units or own an apartment building, go to Rental and multi-family properties.
• If your main goal is efficiency or heating and cooling, go to Energy upgrades.

Owner-occupied homes

CDA Home Improvement Loan

At a glance: Low-to-moderate income. Home repairs and updates. Single-family focus.

CDA Home Improvement Loan details

CEE Home Improvement Loan

At a glance: Home repairs and upgrades. Program requirements vary.

CEE Home Improvement Loan details

SSP Home Improvement Loan (1–4 Units)

At a glance: Owner-occupied 1–4 unit properties. Repair and improvement projects.

SSP Home Improvement Loan (1–4 units) details

Energy upgrades

CEE Energy Loan Program

At a glance: Energy efficiency upgrades like insulation, heating and cooling, and related improvements.

CEE Energy Loan Program details

Owner-occupied 1–4 unit properties

Minnesota Housing Fix Up Loan

At a glance: Repairs and replacements for eligible owner-occupants.

Minnesota Housing Fix Up Loan details

Rental and multi-family properties

SSP Multi-Family Home Improvement Loan

At a glance: Multi-family and rental property improvements.

SSP Multi-Family Home Improvement Loan details

CEE Apartment Building Loan

At a glance: Apartment building upgrades and improvements.

CEE Apartment Building Loan details

Senior-specific

SSP Senior Deferred Home Improvement Loan

At a glance: Home repairs for seniors who may qualify for deferred repayment terms.

SSP Senior Deferred Home Improvement Loan details