The following local, state and federal agencies administer programs or provide funds for housing programs and projects:

Aitkin County Housing and Redevelopment Authority
215 3rd Street SE
Aitkin, MN 56431
Phone: (218) 927-2151
Fax: (218) 927-4159
Contact: Nancy Johnson-Houg

►          Low Rent Public Housing in Aitkin, McGregor and Hill City

►          Section 8 Existing Rental Assistance

►          Transitional Housing

►          4(D) Property Tax Program

Central Minnesota Housing Partnership
P.O. Box 2222
St. Cloud, MN 56302
(320) 259-0393
Contact: Pauline Carlson, Executive Director

►          Technical assistance as requested

►          Program implementation as requested

►          MHFA Rental Rehabilitation

►          Region housing network coordinator/regional housing information

►          Home Stretch home buyer training

►          Minnesota Urban and Rural Homesteading Program (MURL)

Lakes and Pines CAC
1700 Maple Avenue East
Mora, MN 55051
Phone: (320) 679-1800
Contact: Richard Fuchs, Housing Director

►          MHFA Home Improvement and Rehabilitation Programs

►          Weatherization

►          Emergency Assistance Program

State Agencies:

Minnesota Housing Finance Agency
400 Sibley Street
Suite 300
St. Paul, MN 55101
Katherine Hadley, Commissioner

The Minnesota Housing Finance Agency (MHFA) was created by the Minnesota Legislature to provide housing opportunities and financial resources to assist low/moderate income Minnesotans in obtaining decent, safe, energy efficient and affordable housing. MHFA also provides funds to cities for neighborhood redevelopment projects. Programs that MHFA offers that may assist Crow Wing County in addressing its housing needs follow:

►          Community Rehabilitation Fund

Description: The Community Rehabilitation Fund provides a maximum of $250,000 for the acquisition and clearance of blighted properties.

►          Minnesota Urban and Rural Homesteading Program (MURL)

Description: This program provides grants to purchase substandard homes, rehabilitate the homes and then sell the rehabilitated homes to first time home buyers. The Program is designed to prevent the spread of blight and preserve the existing housing stock.

►          Purchase Plus Program

Description: The Purchase Plus Program is a purchase/rehabilitation mortgage program that provides funds to purchase and rehabilitate substandard existing homes.

►          Minnesota Mortgage Program

Description: The Minnesota Mortgage Program provides below-market interest rate mortgage loans for low and moderate income first-time home buyers. The program is provided in cooperation with private mortgage lenders throughout the State.

►          Minnesota Communities Program

Description: The Minnesota Communities Program delivers MHFA mortgage revenue bond financing to specific communities throughout the State. Under this program, eligible cities may request single property 'spot' loan set asides for specialized home ownership projects which are undertaken to address locally identified housing objectives.

►          Home Ownership Assistance Fund

Description: The Homeownership Assistance Fund provides monthly payment assistance and down payment assistance to moderate income borrowers purchasing their first homes through an MHFA mortgage revenue bond program. A MHFA loan is provided in the form of a second mortgage loan without interest. The mortgage loan must be repaid on a graduated basis.

►          Minnesota City Participation Program

Description: The Minnesota City Participation Program provides a set-aside of mortgage revenue bond funds for a period of six to nine months to assist communities in meeting identified local home ownership goals.

►          Community Activity Set-Aside Program

Description: The Community Activity Set-Aside Program is an off-shoot of the Minnesota Mortgage Program that allows city's to obtain a set-aside of mortgage funds for a special purpose.

►          Community Reinvestment Act Incentive Program

Description: This program is designed to assist local lenders in meeting the home ownership needs of their communities and to meet their Community Reinvestment Act (CRA) objectives. The Program provides below market interest rate financing and down payment assistance for first time home buyers.

►          Foreclosure Prevention and Rental Assistance Program

Description: This program has been designed to assist individuals facing foreclosure or eviction due to a temporary financial crisis by providing case management services and, if applicable, mortgage payment, rental, or other financial assistance on an emergency basis.

►          Home Stretch Home Buyer Training Program

Description: This program provides materials and technical support to communities which want to provide home buyer training and counseling to potential home buyers.

►          Housing Trust Fund

Description: The Housing Trust Fund provides deferred loans without interest for the development, construction, acquisition, preservation and rehabilitation of low income rental housing, limited equity cooperative housing and homes for ownership.

►          Governor's Affordable Rental Investment Fund (ARIF)

Description: The Governor has established a fund to provide gap financing for the development of low/moderate income housing.

►          New Construction Tax Credit Mortgage/Bridge Loans

Description: Financing under this program provides for the construction of substantial rehabilitation of units to be rented to families or individuals with income of up to 60 percent of the area median income.

►          Low Income Housing Tax Credit Program

Description: This program reduces the federal income tax liability of qualifying rental property owners for up to ten years. Units must be available for low and moderate income tenants for at least 15 years.

►          HOME Rental Rehabilitation Program

Description: This program will provide grants to rehabilitate privately owned rental property to support affordable, decent, safe and energy efficient housing for lower income families.

►          Rental Rehabilitation Loan Program

Description: Property improvement loans are available to residential rental property owners.

►          Low and Moderate Income Rental Program

Description: This program makes mortgage funds available for the acquisition and rehabilitation or new construction/conversion of rental apartment buildings housing low and moderate income people.

►          Rent Assistance for Family Stabilization

Description: This program provides rental assistance payments to families on public assistance who are enrolled in self-sufficiency programs to become self-supporting and who reside in a county in which the Section 8 Fair Market Rents (HUD) are in the highest one-third of the average rents in the state.

►          Accessibility Loan Program

Description: Deferred payment loans may be available to low income homeowners for improvements directly related to the basic housing needs of a physically disabled person.

►          Deferred Loan Program

Description: Deferred payment loans assist low income homeowners in financing home improvements directly affecting the safety, habitability, energy efficiency and accessibility of their homes.

►          Home Energy Loan Program

Description: This program enables homeowners to increase the efficiency of the existing housing stock.

►          Revolving Loan Program

Description: This program provides rehabilitation financing to low and moderate income homeowners who are unable to qualify for other types of assistance.

►          The Great Minnesota Fix-Up Fund

Description: Property improvement loans available State-wide to assist homeowners in increasing the livability and energy efficiency of existing housing. Loans are made to homeowners by locally participating banks, credit unions and housing agencies.

Minnesota Department of Trade and Economic Development
121 Seventh Place East
5th Floor Metro Square
St. Paul, MN 55101
Louis Jambois, Community Assistance Director

The Minnesota Department of Trade and Economic Development (DTED) is a State agency that provides programs and funding for housing, community, and economic development. Each year DTED receives approximately $20 million from the federal government through the Community Development Block Grant Program. DTED uses this money for the Small Cities Development Program, an annual competition among small cities, townships and counties for housing, public facilities, and economic development projects. Approximately 90 jurisdictions submit applications each year and normally 30 applications are selected for funding.

Greater Minnesota Housing Fund
332 Minnesota Street
Suite 1432 East
St. Paul, MN 55101
Telephone 1-800-277-2258
Fax (612) 221-1904

The Greater Minnesota Housing Fund (GMHF) is a nonprofit organization committed to supporting affordable housing development for working families in the 80 Minnesota counties outside of the Twin Cities metro area. Funded with $25 million from Blandin and The McKnight Foundation, GMHF helps communities assemble project resources and provides modest gap financing. The fund also undertakes research and development on the best practices in affordable housing development, cost control and design techniques, employer assisted housing, public policy analysis, and the identification of other unmet housing needs in Greater Minnesota.

The purpose of the Greater Minnesota Housing Fund is to assist the creation of affordable housing in areas of economic growth in rural Minnesota. GMHF will provide this assistance through gap financing in the form of low or no interest loans and/or deferred loans, loan guarantees and letters of credit. Matching funds will only be provided as part of a specific GMHF program.

Iron Range Resources and Rehabilitation Board (IRRRB)
Box 441
Eveleth, MN 55734
Contact: Mike Larson, Community Development Representative

The IRRRB has provided funds to Iron Range communities for the production of new housing units.

Federal Agencies:

Department of Housing and Urban Development
220 Second Street South
Minneapolis, MN 55401
Tom Feeney, Community Builder
(612) 370-3000

The Department of Housing and Urban Development (HUD) is in transition as the federal government attempts to balance the federal budget. The most recent discussions for HUD have centered around an approach that provides housing and community development funds as block grants to states and cities. HUD has proposed a plan that consolidates over 60 current programs into three programs:

The progress of this consolidation should be monitored to assure that Crow Wing County has the opportunity to participate in these programs when they are established.

USDA Rural Development
410 Farm Credit Building
375 Jackson Street
St. Paul, MN 55101
(651) 290-3912

USDA Rural Development, formerly the Farmers Home Administration (FmHA) provides loans and grants in rural areas to finance housing related needs. Rural areas include populations with cities under 20,000. Programs which may assist Crow Wing County include:

►          502 and 504 Housing Rehabilitation Programs

Description: Loans and grants are provided for rehabilitation of substandard housing occupied by low/moderate income households.

►          Rural Housing Preservation Grants

Description: Housing rehabilitation grants are provided for communities to address specific housing needs in the community.

►          Rural Housing Site Loan

Description: This program is to assist public or private nonprofit organizations interested in providing sites for housing, to acquire and develop land in rural areas.

Federal National Mortgage Association (Fannie Mae)
386 North Wabasha
Capital Centre Suite 1026
St. Paul, MN 55102
(651) 298-9356

Fannie Mae is a Congressionally Chartered, private shareholder owned company that works to make sure that mortgage money is available to people in communities all across America. In May 1995, Fannie Mae announced plans for House Minnesota, which will provide $6 billion in affordable home financing for more than 80,000 low, moderate and middle income Minnesota Families.

►          Fannie97

Description: This mortgage allows home buyers to make a down payment of as little as 3 percent.

►          Community Home Buyer’s Program

Description: A variety of different mortgage programs are available to meet different needs, including down payment assistance, lower closing costs, and less income and higher debt options.

Federal Home Loan Bank of Des Moines
907 Walnut Street
Des Moines, IA 50309
(515) 281-1181

 ►          Affordable Housing Program

Description: This program is to subsidize the interest rate on advances or provide direct subsidies to member institutions engaged in lending for long-term, very low, low and moderate income owner-occupied and affordable rental housing at subsidized interest rates.

►          Community Investment Advance Program

Description: This program is designed to encourage member financial institutions to provide favorable financing for home ownership and rental housing occupied by families with incomes below 115 percent of area median, and commercial and economic development activities that benefit and/or are located in low and moderate income neighborhoods.