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Small Cities Rehabilitation Deferred Loan Program
This program is for rehabilitation of owner-occupied housing and is currently available in Bertha and Hewitt. 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 64 homes when completed.
Eligibility Requirements:
- 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 or Alice at 1-218-685-4486 or toll-free at 1-800-492-4805 and ask for Alice, Extension 103, or John, Extension 113. Or e-mail them at alicer@wcmca.org or johnp@wcmca.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.
Current income guidelines are as follows:
Income Guidelines for Grant,
Pope, and Traverse Counties |
Income Guidelines for
Wilkin County |
Income Guidelines for
Douglas County |
Household Size |
Income |
Household Size |
Income |
Household Size |
Income |
1 |
$31,750 |
1 |
$31,850 |
1 |
$31,900 |
2 |
$36,300 |
2 |
$36,400 |
2 |
$36,500 |
3 |
$40,800 |
3 |
$40,950 |
3 |
$41,050 |
4 |
$45,350 |
4 |
$45,500 |
4 |
$45,600 |
5 |
$49,000 |
5 |
$49,150 |
5 |
$49,250 |
6 |
$52,600 |
6 |
$52,800 |
6 |
$52,900 |
7 |
$56,250 |
7 |
$56,400 |
7 |
$56,550 |
8 |
$59,850 |
8 |
$60,050 |
8 |
$60,200 |
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Please click house to see MURL Homes for Sale |
For more information about the MURL Program, please call John Pritschet at 1-218-685-4486 Extension 113 or toll-free at 1-800-492-4805, Extension 113, or Alice, Extension 103.
You may access the MURL Application form at the link below, print it, complete it, and mail to:
West Central Minnesota Communities Action
Attention: John or Alice
411 Industrial Park Boulevard
Elbow Lake, MN 56531-4213
MURL Application 
Home Injury Control Service For Frail and Elderly
This service is intended to make minor modifications of living space to prevent injury, promote safety and health of older persons, to assist them in remaining independent in their homes. It is available to eligible older household members in the following nine Minnesota counties: Clay, Becker, Douglas, Grant, Otter Tail, Pope, Stevens, Traverse, and Wilkin.
Who May Receive These Services?
- Household members 60 years of age or older who may be disabled and who may be in great economic and social need
- Low-income elderly Minorities
- Age 60+ elderly who live alone
- Limited English speaking
- Age 75+ isolated, at risk, elderly
- Vulnerable elderly defined as functionally-impaired and lacking an adequate informal support system
- Limited physical mobility
- Psychological or mental disability
- Lack of knowledge or skills to select and prepare nourishing, balanced diets
What Modifications are Included in These Services?
Minor home modifications may include, but are not limited to, such items as:
- Repairs/renovations to alleviate medical conditions (i.e., air conditioner installation for asthma patients, etc., with doctor's prescription)
- Purchase and installation of grab bars, shower chairs, raised toilet seats
- Night lights
- Faucet and door levers
- Wheelchair ramps and/or wider doorways for wheelchairs
- Smoke detectors
- Medical alert devices
- Other - call for more information
What Dollar Amount is Available For These Services?
Each client can receive up to $150. If more than one eligible person resides in the same house, $150 can be expended for each eligible person.
Where Does the Money Come From?
This project is funded under contract with the West Central Area Agency on Aging as part of the Title III Older Americans Act Program.
How Can These Funds Be Accessed?
Contact Janet at West Central Minnesota Communities Action, Inc. at 1-218-685-4486, Extension 139 or toll-free at 1-800-492-4805, Extension 139 or the Community Action Agency, public health or social service agency, tribal service agency, energy related repair or energy assistance program, or other programs that interact with frail and elderly clients in your local community. Or you may print out the Application Form below, answer all the questions on the application, sign it, and mail to:
West Central Minnesota Communities Action
411 Industrial Park Boulevard
Elbow Lake, MN 56531-4213
Frail and Elderly Application
MHFA Rehabilitation Loan Program
WCMCA has received funding through the Minnesota Housing Finance Agency (MHFA) for its Rehabilitation Loan Program. West Central Minnesota homeowners who live in the counties of Clay, Wilkin, Pope, and Traverse, and in the City of Moorhead, may be eligible for this Program.
Eligibility Requirements:
Applicants eligible for this program must own and occupy the home to be rehabilitated. Applicants' assets must not exceed $25,000. The Property Tax and Mortgage payments must be current. All homes built in or prior to 1978 must have a Lead Paint Assessment completed.
The Gross Annual Household Income Limit to be eligible for a Rehabilitation Loan is as follows:
| 1 person |
$17,000 |
| 2 people |
$19,500 |
| 3 people |
$21,900 |
| 4 people |
$24,300 |
| 5 people |
$26,300 |
| 6 people |
$28,200 |
| 7 people |
$30,100 |
| 8 people |
$32,100 |
The maximum loan amount is $15,000. **The loan is forgiven in twenty years for framed homes (fifteen years for mobile homes). The loan is forgiveable upon the first day of the 21st year for framed homes and first day of the 16th year for mobile homes unless a borrower sells, transfers title, or ceases to live in the property before that twenty-year for framed homes/fifteen-year for mobile homes period is up, the full loan amount borrowed becomes due and payable.
**This is a true deferred loan, which means no interest and no monthly payments.
Eligible Building Types:
Single-family homes, duplexes, and manufactured housing taxed as real or personal property are all eligible for this program. Property taxes must be current before applying.
Eligible Improvements:
Some eligible improvements include: electrical, plumbing, heating systems, roofing, foundation repair, flooring, insulation, windows, doors, and siding.
If you have questions regarding this program please contact Alice at 1-800-492-4805, Extension 103, or 1-218-685-4486, Extension 103, or her direct line at 1-218-685-6184. MHFA Preliminary Applications can be mailed to:
West Central Minnesota Communities Action
Attention: Alice or John
411 Industrial Park Boulevard
Elbow Lake, MN 56531-4213
MHFA Preliminary Application
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