Mortgage rates starting at:

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Fix up your home with help from Minnesota Housing

Why choose Minnesota Housing?

Loan
Type
Maximum
Loan Amount
Maximum
Repayment Term
Income
Limit
Secured $50,000 10 to 20 years $96,500
Secured
Energy/
Accessibility
$15,000 10 to 20 years No income limit
Unsecured $15,000 10 years $96,500
Unsecured
Energy
$15,000 10 years No income limit

Repair, remodel and make energy saving improvements including:

  • Porches and decks
  • Remodel a bathroom or kitchen
  • Add a bathroom or finish basement
  • Furnace or boiler and central air conditioning*
  • Windows* and doors
  • Insulation,* attic air sealing*
  • Water heater*
  • Siding and roofing
  • Septic system upgrades
  • Mold and radon mitigation
  • Accessibility improvements*
  • Basic garage, if none exists
* Choose Energy Star windows, furnace, central air and/or water heater; insulation and air sealing; and/or basic accessibility improvements and you may be eligible for a lower interest rate.

Next Steps:

  • Find a participating lender near you
  • Obtain contractor bids or detailed materials estimate from a building supplier for work you will perform
  • Your lender will work with you to complete the loan application, loan closing and funding