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Home repair loans, grants available

Home repair loans, grants available

Funds are available to help local homeowners finance home improvements through low-interest loans and grants.

Funds are through U.S. Department of Agriculture (USDA) Rural Development. With spring approaching, Rural Development is gearing up to assist local homeowners with loan/grant funding for property improvements. Applicants must own and occupy the home and their income may not exceed guidelines established by county and household size.

Income limits vary by county and average $21,600 for a one-person household and $24,700 for two-person households in northeastern Minnesota. Income limits increase for larger sized households. Applicants may check with the local USDA Rural Development office for income limits in a particular county.

For loan eligibility, applicants must also have an acceptable credit history, show repayment ability, be unable to afford a conventional loan and live in a community with a population of 20,000 or fewer.

The maximum loan is $20,000, repayable during 20 years with a 1 percent interest rate.

Grants are limited to elderly homeowners older than 62 and may only be used to remove health or safety hazards or remodel dwellings to make them accessible to household members with disabilities. The maximum grant is $7,500.

For assistance in Aitkin, Cass, Crow Wing or Morrison counties, contact the USDA Rural Development office at 7118 Clearwater Road, Baxter, 829-5965, ext. 4.

Denton (Denny) Newman Jr.
I've worked at the Brainerd Dispatch with various duties since Dec. 7, 1983. Starting off as an Ad Designer and currently Director of Audience Development. The Dispatch has been an interesting and challenging place to work. I'm fortunate to have made many friends, both co-workers and customers.
(218) 855-5889