Rehabilitation For Housing FAQ's

(Frequently Asked Questions)

What kinds of repairs are eligible for the Housing Rehabilitation Programs?

Health and safety items such as roofs, well & septic, mechanical & weatherization systems. This program is not designed for cosmetic improvements, and we cannot do remodeling, home additions, or mold abatement.

What is the goal of the program?

To provide assistance to qualified homeowners to make emergency type repairs to keep the home habitable.

How do I get an application?

Call the Housing Rehabilitation hotline at 763.783.4721.  Be sure to speak clearly, and spell any unusual names and/or addresses. Email us at accap@accap.org and request an application. You may also review information and print out an application from our web site here.

How do I know if I am eligible for the Housing Rehabilitation Programs?

Applicants eligible for this program must occupy the home to be rehabilitated.  Applicants assets must not exceed $25,000.00. Meet the following income limits:

                                             Size of Household                          2009/2010 Income Limits

                                                    1 Person                                          $17,700

                                                    2 Persons                                        $20,200

                                                    3 Persons                                        $22,700

                                                    4 Persons                                        $25,200

                                                    5 Persons                                        $27,200

                                                    6 Persons                                        $29,200

                                                    7 Persons                                        $31,300

                                                    8 Persons                                        $33,300

If I have listened to the hotline and still have questions whom do I contact?

You may contact Lori at 763.783.4738 with questions regarding the MHFA Program.

What is the maximum loan amount?

Loans are $15,000.00 for the MHFA Program.

How do I know what work will be done.

ACCAP will have an inspector determine eligible repairs.

How long do I have to wait?

Once your fully completed and signed application is received, your name will be added to a waiting list.  The MHFA Program is simply first-come/first-serve.  It is impossible to give an exact time frame, but you can expect to be on the list anywhere from 2 months to a year depending on funding and the number of eligible applicants.

Do I have to pay back the loan?

Maximum loan term is 15 years for properties taxed as real property and 10 years for mobile/maufactured homes taxed as personal property located in a mobile home park. All loans are forgiven if the borrower does not sell, tranfer title, or ceases to occupy the property during the loan term.

What is the benefit of getting a Home Rehabilitation Loan?

Unlike a mortgage or equity line, this is a loan with no interest and no monthly payments.

What is the requirement of lead testing?

For the MHFA Housing Rehabilitation Program lead testing is required for any home built prior to 1978.  Items that test high in lead must be added to the bid.  Any additional expenses for lead work will not be added to the loan, but must be included in the maximum loan amount of $15,000.