- Affordable Housing Program
- Small Cities Rehabilitation Deferred Loan Program
- Minnesota Urban and Rural Homesteading (MURL) Program
- In-Home Modification Program
- Foreclosure Prevention Assistant Program
- FRAMEWORK – Online Homebuyer Education
- Home Stretch Homebuyer Education
- Housing Counseling Program
- FAIM Program: Family Assets for Independence in Minnesota
Emergency Housing and Homeless Services
Affordable Housing Program
The Affordable Housing Program partners with the MN Dept. of Corrections, Greater MN Housing Fund, MN Housing Finance Agency and other agencies to create quality affordable housing in West Central MN for families at or below 115% of the state median income.
Home sizes vary from 852 sq. ft. to 1,408 sq. ft. on each level. Homes have 2-4 bedrooms, 1-2 baths, kitchen, dining, living room, main floor laundry on select models. The lower level/basement includes furnace/utility room rough ins for a future bathroom, space for future bedrooms, home office and or family room. The lower level is typically unfinished but may be finished if buyer so desires.
A variety of floor plans are available depending on your families needs. Homes can be modified for handicapped accessibility upon request.
Homes are built by a 30 year veteran carpenter, minimum security inmates and local sub contractors. Homes are high quality, durable, energy efficient and require minimal maintenance. Homes are inspected by a state licensed building inspector to ensure codes are met and/or surpassed.
We currently build in Douglas, Pope, Stevens, Otter Tail & Grant Counties.
If you are interested in building where we don’t have access to lots, our housing staff can work with private buyers, cities or EDA to attempt to acquire one to meet your needs.
The first step is to contact WCMCA staff to fill out an Affordable Housing Program Application (PDF). Our knowledgeable housing staff will assist you with all of the remaining steps of purchasing a new home.
|Household Size||Income Limits|
WCMCA housing staff are able to assist you in the mortgage process and or refer you to lenders that have a variety of lending programs such as: First Time homebuyer programs · Programs with as little as 1% down, Rural Development · ECHO · CASA
For further information regarding the Affordable Housing Program, please contact:
West Central Minnesota Communities Action
411 Industrial Park Boulevard
Elbow Lake, MN 56531-4213
Heidi Grove – Housing Assistant
Direct Line: 218-685-7033
John Pritschet – Housing Coordinator
Direct Line: 218-685-7042
Small Cities Rehabilitation Deferred Loan Program
This program is for rehabilitation of owner-occupied housing and is currently available in Breckenridge, Campbell, Clarissa, Elbow Lake and Verndale. Assistance to homeowners is in the form of a zero-percent interest-deferred loan which would be combined with other funding sources to maximize each project. It is expected that these projects will rehabilitate a total of 82 homes when completed.
- You must live in the targeted area
- You must own the house, either free of debt, through a mortgage, or a recorded Contract for Deed
For additional information about the Small Cities Rehabilitation Program please call John at 218-685-7042 or e-mail him at firstname.lastname@example.org.
If you would like to apply for the Small Cities Rehabilitation Program available in your town, please contact your city office for an application or contact Kathy Sletto at (320) 762-8428.
Minnesota Urban and Rural Homesteading (MURL) Program
MURL is a first-time homebuyer program for low- to moderate-income families who are unable to purchase a home through conventional means. Eligible families must be considered “at risk” for home ownership. Barriers such as past credit problems, lack of a down payment, and low wages are all factors that limit a household’s ability to own a home and would be considered “risk factors” for home ownership.
The MURL single-family homes will be sold on a zero-interest contract for deed with no down payment requirement. To be a qualified homebuyer you must have an income to be able to pay off the contract for deed in a 30-year time span.
Eligible homebuyers must meet income guidelines, be first-time homebuyers (a first-time homebuyer includes individuals who owned a home with a spouse or significant other and are separated or divorced, individuals who have not owned a home in the last three years, and individuals who have never owned a home), and be unable to purchase a home through traditional financing. Buyers must pay 25% of their gross monthly income as the monthly house payment. Hazard insurance and property taxes are escrowed and are included in the 25% payment.
The income guidelines at this time are as follows:
Grant and Otter Tail County
If you have questions regarding the program, please contact Heidi at 800-492-4805 or 218-685-4486, Ext. 138.
Please send a copy of the household income for the last current month from everyone who is living there 18 years of age or older.
MURL Homes for Sale
Framework is the only online homebuyer course designed by experts in online learning. It’s comprehensive, so you’ll have all the facts you need to navigate every step of the buying process. And you can learn when, where, and how you like. It even works on your smartphone.
Framework meets many lenders’ requirements for homebuyer education, but check with yours to make sure an online course is acceptable.
Who to Contact:
For more information please contact Robbie at 800-492-4805 or 218-685-4486 or email email@example.com
Home Stretch® Homebuyer Education
Workshops for home ownership education are provided through Catherine Anderson-Barnes of the University of Minnesota Extension. Classes are a total of ten (10) hours in length, held in Alexandria on two (2) evenings. The classes provide extensive education on the people and processes involved in purchasing a home. Cost for classes are $45 and a certificate is awarded at the end that assists participants in qualifying for various loan products. Class schedules can be found on the Minnesota Home Ownership Center’s website at www.hocmn.org.
Who to Contact:
For more information please contact Robbie Stier 800-492-4805 or 218-685-4486 or email firstname.lastname@example.org
March 2015 – September 2015
Housing Counseling Program
What is the Housing Counseling Program?
Provides assistance in helping first-time home buyers in determining how much home they can afford, if they have an adequate credit score to qualify for a loan, what types of down payment and loan products they may qualify for and general information on the process and players involved in the home purchasing process.
Who to Contact:
For more information please contact Robbie Stier at 800-492-4805 or 218-685-4486 or email email@example.com
You can download the WCMCA Homebuyer Counseling Intake 2014-2015 and either mail or fax to:
411 Industrial Park Blvd
Elbow Lake MN 56531
FAIM Program: Family Assets for Independence in Minnesota
If you are working and want to save to purchase your first home, you may be eligible for FAIM.