The following homebuyer and homeowner resources are available in the City of Saint Paul.
- Home Improvement Lending Program
Home Improvement Lending Programs (Owner-Occupied Housing)
There are a variety of home improvement and energy efficiency loan programs available on a citywide and neighborhood basis.
Deferred payment 0% interest due-on-sale loans provide rehab adviser services for very low-income homeowners. Eligible improvements include basic and necessary improvements such as accessibility improvements, correction of lead-based paint hazards, heating systems, windows, electrical and roofing.
Also available are lower interest rate home improvement loans which allow you to do more general improvements such as room additions or building a new garage.
- Citywide Deferred Rehabilitation Loans
- Citywide Low-Interest Rehabilitation Loans
- Emergency Home Loan Fund
For more information about home improvement loans, call 651-266-6564
Mortgage Foreclosure Prevention
Homeowners behind on their mortgage payments can reach out to a housing advisor for free, non-biased, confidential advice. For more information, visit the Minnesota Homeownership Center's website at hocmn.org.
Home Stretch: Homebuyer Education and Counseling
Homebuyer education and counseling, known as the Home Stretch Program, is coordinated by the Minnesota Home Ownership Center and delivered by local, non-profit, community based organizations throughout Minnesota. Home Stretch is a proactive approach to educating people about the home buying process so they can avoid common mistakes and predatory lending.
Home Stretch's eight-hour workshops cover topics on:
- Credit and budgeting
- Qualifying for a loan
- Special loan programs
- Shopping for a new home
- Home inspections
- Maintaining your home
- Successful home ownership