Minnesota- Homeowner Resources

Minnesota Homeownership Center 

Minnesota Homeownership Center (hocmn.org)


Resources for Homeowners

Helpful information tailored to your situation:

-Reverse Mortgage

-Refinancing

-Rehab & Repair Programs

-Foreclosure Prevention

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Homeowner Assistance Fund

HomeHelpMN Program Request for Proposals (RFPs):

Minnesota Housing is requesting proposals from legal services provider organizations to provide Legal Advocacy and Support Services for the HomeHelpMN COVID-19 Homeowner Assistance Fund program. Legal advocacy and support services will play a critical role to support Minnesota homeowners in preventing mortgage delinquencies, defaults, foreclosures, and displacements and to protecct the interests of homeowners who have or are experiencing financial hardship.
 
Access the Legal Advocacy and Support Services Request for Proposals here
 
Responses must be received by 12:00 pm (noon), CT, on Monday, March 28, 2022. Responses must be submitted electronically to HomeHelpMN@state.mn.us. Responders should carefully review the required steps and documentation submittals outlined in the RFP.  Late and incomplete responses that materially deviate from the required format and content will not be considered.

Homeowner Assistance Program Update:

HomeHelpMN is a federally funded program dedicated to assisting homeowners who are at risk of default, foreclosure, or displacement as a result of a financial hardship caused by the COVID-19 pandemic. The program includes financial assistance for mortgage reinstatement, and eligible past due property expenses, and will complement the solutions offered by mortgage loan servicers.  More details regarding eligibility will be published as they are available. 

Read the Program Concept.

What Can Homeowners Do Today?

The program is not available yet and the amount of funding available will likely not meet the anticipated needs of all eligible Minnesota homeowners. It is important that lenders, mortgage servicers, and homeowners work together to explore the full range of options available to help Minnesotans keep their homes.

These are steps that can be taken now:

  1. Explore an affordable loss mitigation work-out solution. Lenders and homeowners should communicate about what options are available. Additional resources are available through the Consumer Financial Protection Bureau.
  2. Connect with a local HUD-approved housing counselor. HUD-approved housing counselors provide free, unbiased, confidential services to help homeowners make choices to address their housing needs. Homeowners can connect with foreclosure prevention services via the Minnesota Homeownership Center.
  3. Apply for the Energy Assistance Program. Homeowners may qualify for help with energy bills and future energy costs, including delivered fuels. Visit the Minnesota Department of Commerce or call 1.800.657.3710 to learn more about eligibility and apply.

We encourage you to sign up for eNews updates about HomeHelpMN for more information about the program and timeline.

Questions? Have questions about HomeHelpMN? Write to us at homehelpmn@state.mn.us.

If you have concerns regarding potential fraud, misuse of funds, or related concerns regarding the HomeHelpMN program, the following avenues are available through NavexGlobal/EthicsPoint:

  • You may call 866-886-1274 and an EthicsPoint Contact Center Specialist will record your concerns and collect the information needed.
  • You can click the Report Wrongdoing or Other Concerns website to make your report

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HOMEOWNERSHIP ASSISTANCE

Need help buying a home? You may qualify for one of these programs.

Statewide and Regional Programs

County

City

  • City of Duluth (218) 730-5480
  • City of Minneapolis - CityLiving Program (612) 673-5095
  • City of St. Paul - CityLiving in Saint Paul (651) 266-6692
  • ==============================================================
  • Single Family Housing Repair Loans & Grants in Minnesota

  • What does this program do? 
    Also known as the Section 504 Home Repair program, this provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards.

    For existing Section 502 direct and 504 borrowers who have received a payment moratorium related to COVID-19: The American Rescue Plan (ARP) Act of 2021 appropriated additional funds for Section 502 direct and 504 loans, to remain available until September 30, 2023.  The focus will be to refinance existing Section 502 direct and Section 504 borrowers who have received a payment moratorium related to COVID-19.  Beginning May 17, 2021, the Agency will accept applications from existing Section 502 direct and Section 504 loan borrowers, to refinance outstanding loans which have been in an approved COVID-19 moratorium.  Additional information for these borrowers, including a standardized application package, is available at https://pubmai.sc.egov.usda.gov/.

    Who may apply for this program?
    To qualify, you must:

    • Be the homeowner and occupy the house
    • Be unable to obtain affordable credit elsewhere
    • Have a household income that does not exceed the very low limit by county.
    • For grants, be age 62 or older and not be able to repay a repair loan

    What is an eligible rural area?
    Utilizing the USDA Eligibility Site you can enter a specific address for determination or just search the map to review general eligible areas.

    How may funds be used?

    • Loans may be used to repair, improve or modernize homes or remove health and safety hazards
    • Grants must be used to remove health and safety hazards

    How much money can I get?

    • Maximum loan is $40,000
    • Maximum grant is $10,000
    • Loans and grants can be combined for up to $50,000 in assistance

    What are the terms of the loan or grant?

    • Loans are termed for 20 years
    • Loan interest rate is fixed at 1%
    • Full title service is required if the total outstanding balance on Section 504 loans is greater than $25,000
    • Grants have a lifetime limit of $10,000
    • Grants must be repaid if the property is sold in less than 3 years
    • If applicants can repay part, but not all of the costs, applicants may be offered a loan and grant combination

    Is there a deadline to apply? 

    • Applications for this program are accepted through your local RD office year round

    How long does an application take? 
    Approval times depend on funding availability in your area. Talk to a USDA home loan specialist in your area for help with the application

    Who can answer questions and how do I get started?
    Contact a USDA home loan specialist in your area

    What governs this program?

    • The Housing Act of 1949 as amended, 7 CFR Part 3550
    • HB-1-3550 - Direct Single Family Housing Loans and Grants Field Office Handbook

    Why does USDA Rural Development do this?
    Helping people stay in their own home and keep it in good repair helps families and their communities. Homeownership helps families and individuals build savings over time. It strengthens communities and helps many kinds of businesses that support the local economy.

    NOTE: Because citations and other information may be subject to change, please always consult the program instructions listed in the section above titled "What Governs this Program?" Applicants may also contact your local office for assistance.

  • ===============================================================

  • Homeownership Resources

  • https://www.mncee.org/services/financing/residential/

  • www.capsh.org  Community Action Partnership of Suburban Hennepin
    Community Action Partnership of Suburban Hennepin is a community action agency working in all of Suburban Hennepin County.  They offer services to individuals through outreach, energy assistance programs, homeownership services and financial counseling.

    www.fhfund.org  Family Housing Fund
    The Family Housing Fund is a nonprofit organization whose mission is to provide safe, affordable, sustainable homes to families and children in the Twin Cities metropolitan area through ongoing partnerships with the public and private sector.

    www.housinglink.org  Housinglink
    Housinglink provides affordable rental housing information for the Twin Cities and selected regions of Minnesota including service agencies, housing providers, and policymakers.

    www.hocmn.org  Home Ownership Center
    The Home Ownership Center promotes sustainable home ownership for low and moderate income Minnesotans through the development and delivery of quality, standardized education, counseling, and related support services.  This website lists homebuyer education courses and organizations throughout the Twin Cities metropolitan area.

    www.housingresourcecenter.org  Housing Resource Centers
    Assists with flexible financing tools to complete home improvement projects, assists owners through the complex construction process when renovating their homes, and assists individuals and families become new homeowners.

    www.iocp.org  Interfaith Outreach & Community Partners
    IOCP serves people in Hamel, Long Lake, Medicine Lake, Medina, Minnetonka Beach, Orono, Plymouth, and Wayzata responding to people’s basic needs for food, housing, child care, employment, transportation, and connections to community resources.
    www.mnhousing.gov  Minnesota Housing Finance Agency
    The state housing agency helps people buy their first homes or fix up their existing homes as well as help build and fix up affordable apartments, single family homes, shelters, and supportive housing.

    www.mhponline.org   Minnesota Housing Partnership
    Minnesota Housing Partnership is a nonprofit organization that increases the capacity of nonprofits and rural communities to create, preserve, and promote affordable housing.

    www.tchabitat.org   Twin Cities Habitat for Humanity
    Twin Cities Habitat for Humanity’s mission is to eliminate poverty housing from the Twin Cities and to make decent, affordable shelter for all people a matter of conscience.  Twin Cities Habitat for Humanity lists additional services and the process to apply for a Habitat home on this website.

    www.lisc.org/twin_cities  Twin Cities Local Initiatives Support Corporation
    Twin Cities LISC combines corporate, government, and philanthropic support to provide Community Development Corporations (CDCs) with financial tools, technical assistance, and policy support to build strong, durable organizations; transform neighborhoods through physical and economic development; build community beyond bricks and mortar; and support a strong community development environment.

     

  • =============================================================

  • To get started with short-term foreclosure aid or long-term refinancing, check out these organizations:

  • More Ideas for Homeowners

    If you own your home and are having trouble paying for your homeownership expenses, like your mortgage and home maintenance, you should look into:

    • Short-term foreclosure help, so that you can get help with meeting your upcoming mortgage payments as soon as possible.
    • Long-term refinancing, so that you will have a more affordable mortgage for the years to come.
    • The Weatherization Assistance Program (WAP), which helps you pay for home improvements that can lower your utility and maintenance expenses over the long-term.

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