News Flash

News: Blaine

Posted on: February 14, 2022

Home Improvement Loan and Grant Programs

Home Improvement renovation

Loan Programs


Home improvement loans are available for Blaine homeowners through the Center for Energy and Environment Lending Center. 

Low Interest Home Improvement Loan

From maintenance projects to major remodels, you can finance most home improvements with a loan of up to $50,000 from the Blaine Economic Development Authority with interest rates under 4 percent. 

Accessibility Loan Program

Simple modifications can be made to homes to allow residents with disabilities to remain in their homes. The accessibility loan program offers $10,000 in a deferred, no interest loan, which is paid back upon the sale of the property. The borrower’s household must include an individual with a disability and projects must be approved by the individual’s physician. Income limits apply. Projects may include widening doorways to accommodate mobility devices, adding grab bars, constructing ramps, and more!

Grant Programs

Home improvement grants are available to owners of homes with a 2021 assessed value of $350,000 or less and that are at least 30 years old. No income limits apply.

Front Door Program

Receive a grant of up to $5,000 to improve the curb appeal of your home. Funds are limited. Projects must include at least one beautification project and a beautification project cost of at least $1,000. 

Beautification projects-reimbursed at 25 percent of cost:

  1. Front door, storm door, and/or garage door
  2. Sidelight windows by front door
  3. Columns at front door
  4. Covered front porch
  5. Brick, stone, or shake
  6. Alter roofline on front side of house
  7. Permanent landscaping
  8. Window boxes and shutters
  9. Screening of utility boxes and/or garbage cans
  10. Maintenance free decorative fence (wrought iron, composite, other similar materials)

Basic projects-reimbursed at 15 percent of cost:

  1. Roof
  2. Siding
  3. Painting
  4. Soffit or fascia
  5. Trim
  6. Gutters
  7. Windows
  8. Chimney repair, tuck pointing, repointing
  9. Deck or porch – front yard or side yard visible from front of house (repair or replace)
  10. Retaining wall (repair or replace)
  11. Driveway, sidewalk (repair or replace)

Major Remodeling Grant

Receive a grant of up to $7,500 to complete major remodeling projects in your home, such as finishing a basement, adding a bathroom, or gutting a kitchen. To receive the maximum reimbursement projects must also include exterior upgrades such as a new front door, adding brick to the front of the home, or new landscaping. Projects must have a total cost of at least $35,000. 

Eligible major remodeling projects:

  1. Building an addition
  2. Building a sunroom
  3. Finishing an unfinished space
  4. Constructing a covered front porch
  5. Converting a garage into livable space (minimum garage space required by code must remain)
  6. Major kitchen, bathroom or basement remodel
  7. Adding a bathroom
  8. Reconfiguring living space (moving walls)

The reimbursement rate is determined by the number of exterior upgrade projects:

  1. Altering the roofline
  2. Constructing columns at the front door
  3. Building a covered front porch
  4. Enhancing the front of the house with brick, stone, or shake
  5. Upgrading the front door and/or garage door if it faces the street
  6. Major landscaping (minimum cost of $2,000)

Get Help Planning Your Project

Receive expert advice, free of charge, for any project - from a simple renovation to a dream remodel, remodeling advisor visits from the Center for Energy and Environment can help sort out the possibilities when it comes to your next project. Services include:

  • Help identifying home improvements and repairs
  • Information on construction, building codes, and permits
  • Site visits to help prioritize home improvements
  • A written scope of work for contractors to bid
  • Assistance reviewing contractor bids, proposals, and estimates
  • Assistance during the construction process

Call 612-335-5884 for more information.

Manufactured Homes
 

Manufactured Home Improvement Loans

Finance most home improvements to manufactured homes with a loan of up to $7,500 with rates under 4 percent. 

Manufactured Home Beautification Grants

Give your home a facelift with a grant of up to $3,000 (15-25 percent of project cost). Eligible projects include decks, ramps, roofing, siding, skirting, windows, and more. Funds are limited. Homes must be at least 30 years old.

Help Buying a Home

First time homebuyers living or working in Blaine are eligible for up to $10,000 in down payment assistance. Assistance is provided as a deferred, no interest loan, paid back upon sale of the property. Income limits apply.

For more information on all available programs BlaineMN.gov/HousingInformation.

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