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Minnesota Housing Fix Up Loan Program

The Minnesota Housing Fix Up Loan helps South St. Paul homeowners pay for home repairs, energy efficiency upgrades, and accessibility improvements. The program offers fixed-interest loans and is available to homeowners of all income levels. Some loan options have no income limit.

What this loan can help pay for

Fix Up Loans can be used for common repair and improvement projects that protect the home, improve safety, and reduce energy costs.

Home repairs and replacements
Energy efficiency improvements
Accessibility updates for aging in place
Remodeling projects that improve livability

Loan features

Fixed interest rates
Secured and unsecured loan options
Longer repayment terms to keep monthly payments lower
Option to hire a contractor or complete the work yourself
No prepayment penalty

Eligible properties

The property must be owner-occupied and located in South St. Paul. Eligible properties include:

Single-family homes
Duplexes
Triplexes
Quadplexes (1–4 unit properties)

Eligible projects

Loans may be used for a wide range of repair, remodeling, and energy-related projects, including:

Kitchen or bathroom remodels
Adding a bathroom or finishing a basement
Building a porch or deck
Mold and radon mitigation
Accessibility improvements such as ramps or wider doorways
Window and door replacement
Furnace, boiler, or air conditioning upgrades
Insulation and attic air sealing
Adding a basic garage if the property does not already have one

Who this program is best for

Homeowners who live in their property
Owners of 1–4 unit properties
Residents planning repairs or energy upgrades
Seniors or households planning accessibility improvements

How to apply

Find a participating lender (opens in a new window)
Gather contractor bids or a detailed materials estimate
Work with your lender to complete the application, closing, and funding process

Loan terms, limits, and eligibility vary by lender. Review current program details before applying.