|Foreclosure Prevention Counseling|
|The Saint Paul Mortgage Foreclosure Prevention Program|
W The Saint Paul Mortgage Foreclosure Prevention Program
|HUD certified counseling agency administered by the City's Planning and Economic Development Department will provide education about the foreclosure process and legal timelines, provide financial and budget counseling services, work with the lender of the homeowner and evaluate possible foreclosure solutions, and make referrals to community resources. Services available in Spanish.|
|Community Neighborhood Housing Service|
W Community Neighborhood Housing Service
|Free HUD Approved Housing Counseling about the foreclosure process and your rights. Counselors will give you personalized information and create a plan based on your unique situation and needs and work with your lender to help you obtain a loan modification. Services also available in Hmong.|
|Neighborhood Development Alliance|
W Neighborhood Development Alliance
|Offers free HUD approved foreclosure counseling services for those who are struggling to make their mortgage payments. Counselors will guide you along the process and advocate on your behalf to your mortgage servicer.|
|CAPRW-Low Income Weatherization Program|
W CAPRW-Low Income Weatherization Program
|Provides owner or tenant households eligible for energy assistance with free energy conservation improvements.|
|City Living – St. Paul: City Living 4% Home Improvement Loans|
W City Living – St. Paul
|Providing up to $50,000 in loans for home improvement costs.
|City Living Home Improvement Deferred Payment Loans|
W City Living Home Improvement Deferred Payment Loans
|The City Living Home Improvement Deferred Payment Loan is available in up to $25,000 amounts. Requirements apply. 50% AMI.|
|City of St. Paul|
Rehab Support Program
W City of St. Paul
Rehab Support Program
|The City of Saint Paul offers interest-free and deferred payment home improvement loans of up to $20,000 to homeowners who live between Dale and Victoria; University and Minnehaha.
Household income <$96,500.
|Community Neighborhood Housing Services – Home Improvement Loans and Services|
W Community Neighborhood Housing Services
|Community NHS offers home improvement loans and services to home owners in Saint Paul and beyond. Many improvement and repair projects are eligible. The program has income limits and other requirements. Up to 120% of AMI.|
|Frogtown Facelift Loan Program|
W Frogtown Facelift Loan Program
|Helps homeowners who may not otherwise qualify for credit obtain funds (up to $30,000) needed for critical home repairs, and other home improvements.
Restrictions apply: 1/3 of the funds are forgiven over five years, 1/3 are due on sale, and 1/3 is to be repaid at 5%. Up to 80% AMI.
|Hearts and Hammers|
W Hearts and Hammers
|Hearts & Hammers home provides single family homeowners with exterior painting, moderate carpentry, and landscaping to restore the weatherproofing, security, and overall appearance of the home at no cost on Program Days held twice yearly.
You must own and occupy your home
|Lead Window Replacement (Grant and Loan)|
W Lead Window Replacement
|Based on results of lead testing, single family homeowners with small children may receive a grant for three-quarters of the window replacement costs and GFCDC may be able to provide a grant/loan for the remainder. Up to 80% AMI.|
|Neighborhood Energy Connection—|
The Minnesota Energy Loan
W Neighborhood Energy Connection—The Minnesota Energy Loan
|The Minnesota Energy Loan, a low-interest financing tool for energy improvements plus general home remodeling. After making key conservation improvements, you can use this loan to finance almost any home improvement project, including renewable energy upgrades such as geothermal heating and cooling equipment, solar hot water systems, solar electric, and more.|
|Neighborhood Energy Connection— Home Energy Squad|
W Neighborhood Energy Connection— Home Energy Squad
|The Neighborhood Energy Connection, Xcel Energy, and CenterPoint Energy present Home Energy Squad, a skilled crew that will make your home more comfortable and reduce your utility bills in one easy, low-cost/sliding scale visit.|
|Project for Pride in Living (PPL) – Home Repair Loan|
W Project for Pride in Living (PPL) – Home Repair Loan
|Loans of up to $27,000 are awarded for needed home repairs without interest charges, and are forgivable under certain conditions.
Up to 30% AMI.
|Our Home Repair Program provides critical home repairs at no cost for low-income older adults, individuals with a disability, families with children, or active or retired members of the armed services to qualified homeowners.|
|Twin Cities Habitat for Humanity “A Brush with Kindness Program”|
W Twin Cities Habitat for Humanity “A Brush with Kindness Program”
|A Brush with Kindness paints, landscapes, and does minor repairs at no cost for low-income residents with a focus on seniors, people with disabilities, and single parent households.
Up to 60% AMI.