Home Improvement Programs Overview

Minnesota Housing helps homeowners live in safe, accessible and energy efficient homes with our home improvement loan programs through approved lenders. No matter what your borrower needs, we've got you covered. 

What programs are available?

Why choose Minnesota Housing?

  • Affordable, fixed interest rate loans
  • Higher loan-to-value ratio on secured loans than traditional loan products
  • Unsecured loans available up to $30,000
  • Lower interest rate for Unsecured Energy and the Secured Energy/Accessibility loan
  • Borrowers can hire a contractor or complete the work themselves
  • 0% interest, deferred loans of up to $37,500 for low-income borrowers 

Want to become a Minnesota Housing lender?

If you are not a Minnesota Housing lender and would like to become one, please review the applicable materials.


Fix Up and Community Fix Up Loan Programs: Reach the Partner Solutions Team at 651.296.8215 or 800.710.8871 between 8:00 a.m. and 5:00 p.m. on business days.

RLP/ELP: Contact Tonya Taylor at 651.296.8844.

Disaster Recovery Loan Program: Contact Noemi Arocho at 651.296.7994.