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.

• Procedural Manual
• Forms Guide and Glossary
  • If you need editable versions of the sample documents linked in the Forms Guide and Glossary, you can find them in the Loan Commitment System or by contacting us at mnhousing.solution@state.mn.us or 800.710.8871, option 2.
• Community Fix Up Proposal Application

• Own and occupy the property to be improved. Single-family homes, duplexes, triplexes, or fourplexes are eligible.
• Meet the income limit with the exception of the Secured Incentive Rate Energy Conservation or Accessibility and Unsecured Incentive Rate Energy Conservation loans, which have no limit.
• Provide itemized contractor bids or itemized materials estimates for proposed work.
• Use for an eligible improvement:
  • Fix Up Unsecured and Secured Loans, Accessibility loans
  • Energy loans

• Fixed interest rates with lower rates available for energy and accessibility loans
• Level monthly payments
• Higher loan-to-value ratio on secured loans than most traditional loan products
• Secured and unsecured loan options
• Hire a contractor or do the work yourself
• No prepayment penalty

*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).

Reach the Partner Solutions Team at 651.296.8215 or 800.710.8871 between 8 a.m. and 5 p.m. on business days.