Resource Library Home Fix-up

Home Fix-Up Programs

Tackle your home improvement to-do list without breaking your budget with a Fix Up Loan from Minnesota Housing!

Why choose a Fix-Up loan?

  • Affordable, fixed interest rates with lower rates for energy conservation and accessibility improvements
  • Loan amounts ranging from $2,000-$75,000
  • Secured and unsecured loan options
  • Repayment terms are up to 20 years
  • Hire a contractor or do the work yourself

What you can do with the loan?

  • Repair, remodel, and make energy-saving improvements.
  • Update your bathroom or kitchen.
  • Replace your furnace, A/C, windows, or doors.
  • Get new siding or roofing.
  • Make accessibility improvements.
  • There are so many options available with the Fix Up loan program!

 Do you qualify?

  • You must own and occupy the property to be improved.
  • Single-family homes, duplexes, triplexes, and fourplexes are eligible.
  • Your gross household income must be no greater than $185,700. The income limit is waived if the improvement is being made for the accessibility of a family member who is disabled or for specific energy improvements.

Click here to get more information from the MN Housing website.

A Brush with Kindness (ABWK), Habitat’s home repair program, helps preserve homeownership by partnering with homeowners struggling to maintain their homes. Home maintenance is the usual casualty when basic expenses exceed income month after month. Years of deferred maintenance can cause a downward spiral of home deterioration and unsafe living conditions.

Read more about the program and see if you qualify by visiting Habitat for Humanity’s website by clicking here.

The USDA has many programs that are worth looking into. Click the link below to get started.

Single Family Housing

The mission of Hearts & Hammers –Twin Cities is to provide exterior home improvement assistance for senior and disabled homeowners so that they may continue living independently.

This is accomplished by organizing teams of volunteers and providing them with the necessary leadership, expertise, resources, and materials. A typical Hearts & Hammers home requires significant exterior painting, moderate carpentry, and landscaping to restore the home’s weatherproofing, security, and overall appearance. Assistance is provided at no cost to homeowners and is completed on Program Days held twice yearly. Program Days culminate multiple activities, including home selection; Team Captain training; needs assessment; materials and resource coordination; volunteer registration; and site preparation.

Labor for Program Days is provided by teams of volunteers from Twin Cities-area businesses, professional associations, and churches. An average team consists of fifty volunteers from up to three different organizations. Hearts & Hammers recommends that volunteering organizations make monetary or other contributions to help cover the costs associated with rehabilitating their home on Program Day. In return, Hearts & Hammers provides teams with materials and supplies, including ladders, scrapers, paint, pails, brushes, etc. Dumpsters, portable restrooms, and boom lifts (if necessary) are also provided by Hearts & Hammers for each site.

For eligibility requirements, homeowner application, or to volunteer, click here.