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Fix Up and Community Fix Up Loan Programs

Fix Up is our statewide home improvement loan program for eligible homeowners, available through participating lenders. The Community Fix Up Loan Program is an add-on program for eligible Fix Up lending partners and provides affordable financing to support partnerships that target resources.

Manuals, Forms and Resources

Eligibility Requirements

Program Features

  • Affordable, fixed interest rates with lower rates for energy and accessibility loans
  • Higher loan-to-value ratio on secured loans than traditional loan products
  • Secured and unsecured options
  • Contractor or DIY options
  • No prepayment penalty
Unsecured Loan Unsecured Energy Incentive Loan* Secured Loan Secured Energy Incentive Loan Secured Accessibility Loan
Income Limit Income Limits No income limit Income Limits No income limit No income limit
Maximum Loan Amount $25,000 $30,000 $75,000 $60,000 $35,000
Security Type No equity or mortgage lien required No equity or mortgage lien required Secured by mortgage lien Secured by mortgage lien Secured by
mortgage lien
Maximum Repayment Term 10 years 10 years 10 to 20 years 10 to 20 years 10 to 20 years
Credit Score 680 680 620 620 620

*This project was made possible by a grant from the U.S. Department of Energy and the Minnesota Department of Commerce through the American Recovery and Reinvestment Act of 2009 (ARRA).

In connection with Single Family Division loan programs, Minnesota Housing does not make or arrange loans. It is neither an originator nor creditor and is not affiliated with any Lender. The terms of any mortgage finance transactions conducted in connection with these programs, including important information such as loan fees, the annual percentage rate (APR), repayment conditions, disclosures, and any other materials which are required to be provided to the consumer are the responsibility of the Lender.


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.