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Home Improvement Programs Overview

Minnesota Housing helps homeowners live in safe, accessible and energy efficient homes with our home improvement loan programs through . No matter what your borrower needs, we've got you covered. 

What programs are available?

Why choose Minnesota Housing?

  • Affordable, fixed interest rate loans
  • Higher loan-to-value ratio on secured loans than traditional loan products
  • Unsecured loans available up to $15,000
  • Lower interest rate for Unsecured Energy and the Secured Energy/Accessibility loan
  • Borrowers can hire a contractor or complete the work themselves
  • 0% interest, deferred loans of up to $27,000 for low-income borrowers 

Want to become a Minnesota Housing lender?

If you are not a Minnesota Housing lender and would like to become one, please complete the applicable materials.


Fix Up and Community Fix Up Loan Programs: Reach the Partner Solutions Team at 651.296.8215 or 800.710.8871 between 7:30 a.m. and 5:00 p.m. on business days.

RLP/ELP: Contact Sara Shonrock at 651.296.3495 or Tonya Taylor at 651.296.8844.

Quick Start: Contact Cal Greening at 651.296.8843.