Single Family Rehabilitation

BeforeAfter

Program Description

AEOA administers a variety of loan programs for homeowners to make basic improvements to the safety, livability, energy efficiency and accessibility of their home. Examples of improvements include electrical wiring, furnace or boiler replacement, windows and doors, siding and roofing, plumbing, septic system upgrades, water heater, mold and radon mitigation, lead-based paint hazards.

 

To see if you qualify and  have a Loan Coordinator contact you follow this link Here!

Availability: Services are available to qualified homeowners of Cook, Lake, and St. Louis Counties (excluding the City of Duluth).

 

 Am I eligible?
You may be eligible if:
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's income limits.

AVAILABLE PROGRAMS
Available programs include, but are not limited to:
Minnesota Housing Finance Agency (MHFA)
Income Limits:

Household Size 1 2 3 4 5 6 7 8
Income Limits  $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 Limits  $       25,350  $       29,000  $       32,600  $       36,200  $       39,100  $       42,000  $       44,900  $       47,800
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, deferred, 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            
Loan Terms: NA              
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 Size 1 2 3 4 5 6 7 8
Income Limits  $       40,550  $       46,350  $       52,150  $       57,900  $       62,550  $       67,200  $       71,800  $       76,450
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            
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 SSTS                
Income Limits:                
Household Size 1 2 3 4 5 6 7 8
Income Limits  $       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)            
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 upon income          
Income Limits:                
Household Size 1 2 3 4 5 6 7 8
 Annual Income Limits  $       48,950  $       54,500  $       60,050  $       65,600  $       70,050  $       74,500  $       78,950  $       83,400
                 
Program Name: Emergency              
Loan Terms: NA              
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
rehab@aeoa.org

 

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