Rehabilitation Loan/Emergency and Accessibility Loan Programs (RLP/ELP)

The Rehabilitation Loan Program (RLP) provides deferred loan financing to eligible low-income homeowners statewide who are unable to secure home improvement financing in the private sector. Funds may be used for basic home improvements that directly affect the home’s safety, habitability or energy efficiency.

The Emergency and Accessibility Loan Program (ELP) assists homeowners needing emergency assistance or essential accessibility improvements. Approved RLP/ELP lenders are also eligible to serve as approved ELP lenders.

Due to the unprecedented situation related to COVID-19, Minnesota Housing has implemented modifications to existing program requirements in the RLP and ELP Procedural Manuals. Please review the FAQ below for details regarding the program changes.

• RLP and ELP COVID-19 Temporary Program Modifications FAQ

• RLP Procedural Manual
• ELP Procedural Manual
• RLP and ELP 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.
• RLP Program Brochure

• Borrower meets the program income limits
• Borrower does not have assets exceeding $25,000
• Borrower owns and occupies the property to be rehabilitated
• Borrower is current on property taxes and any mortgages

• Maximum loan amount is $37,500
• Maximum loan term is 15 years for properties taxed as real property and 10 years for manufactured homes taxed as personal property located in a manufactured home park
• Loans are forgiven if the borrower does not sell, transfer title, or ceases to occupy the property during the loan term
• Various property types are eligible including, but not limited to, single family homes, duplexes, a condominium unit, and manufactured housing taxed as real or personal property

Basic improvements that directly affect the safety, livability, or energy efficiency of the home, including:

• Addressing lead paint hazards
• Electrical wiring
• Furnace/boiler repair or replacement
• Plumbing repairs
• Well and septic repair or replacement
• Radon mitigation
• Mold remediation
• Windows
• Siding
• Roof repair or replacement

RLP/ELP: Contact RLP.ELP@state.mn.us.