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Home Improvement Programs promote energy efficiency and preserve existing housing stock . Funds are available for McLeod County & Meeker County. Funding has also been targeted to specific areas with older housing stock within the City of Hutchinson.

(Click on the links to move down the page to each section)

MHFA Rehabilitation

MHFA Fix-Up Fund & Community Fix-Up Fund - Plus 4% Discount Energy & Green Deferred Loan Programs

NE Neighborhood SCDP Rehabilitation Project

MHFA Rehabilitation Loan

Rehabilitation Loan Application Packet - Submit to Hutchinson HRA
The MHFA Rehabilitation Loan Program is available to lower income eligible families in McLeod and Meeker counties.  Funds are to be used to address health, safety, accessibility and energy deficiencies.	Heartland Community Action Agency 200 Fourth St. SW, PO Box 1359, Willmar, MN 56201.  Phone 1-800-992-1710 or Fax (320) 441-6399
To be eligible for the MHFA Rehab Loan you must first apply for the Energy Assistance Program offered by Heartland Community Action Agency.  If after application to the Energy Assistance Program, it is determined that you qualify for a Weatherization loan we can use these funds in conjunction with the MHFA Rehab Loan.	Energy Assistance Program Application Click above to access Heartland's Application Forms
Program Information	Two Years Tax Returns for Self-Employed Applicants (No HRA Form Available)
1. Packet Instructions	5. Income Verifications:
2. Application	Verification of Employment
3. Authorization to Release Information	Checking/Savings Account
4. Data Privacy	Verification of Assistance
	Pension/Retirement Verification
6. Homeowners Agreement 7. Lead Pamphlet - (Please Read!) 8.  Lead Based Paint Statement 9. Contractor Warranty 10. Primary Use of Property Certification 11. Pre-Inspection Questionnaire

MHFA Fix-Up Fund & Community Fix-Up Fund

The MHFA Fix-Up Fund is available to homeowners for general home improvements at below market interest rates with low closing costs and fees.

Program Information	Current Interest Rate
FUF/CFUF Application Forms:
Application Instructions	Authorization to Release Information
Application	Verification of Employment Form
Contractor Warranty	Primary Use of Property Certification
New Homeowner Information Sheet	Checking/Savings Account

The MHFA Community Fix-Up Fund is targeted to the NE Neighborhood Rehabilitation Project area, the Green Deferred Loan Program, Discount Energy Loan Program in Hutchinson and non prime loans in McLeod County.

4% Discount Energy/Loan Program Criteria
Green Deferred Loan Program Criteria	Ultimate Checklist for Saving Energy
Energy Fact Sheet	Current Interest Rate

NE Neighborhood SCDP Rehabilitation Project

The City of Hutchinson has been awarded funding for homeowners interested in improving their homes from the Minnesota Department of Employment & Economic Development, Small Cities Development Program (SCDP).

- Defective plumbing, heating or electric systems
- Roofing, windows and doors
- Exterior carpentry such as rotting siding, porches and steps, etc.
- Interior carpentry such as walls and floors
- Handicap Accessibility Issues

- You must live in the targeted neighborhood – NE Neighborhood Map

- You must own the home free and clear of debt OR have 1/3 fee title interest in the property, through a Mortgage, Contract of Deed or Life Estate that is on record at the McLeod County Recorder’s Office.

- You must be current on House Payments and Property Taxes.

- You must be able to acquire an Owner Match of 30% of the project cost. Match funds can be obtained from other products available through the Hutchinson HRA.

- Your Gross Annual Total Household Income for the SCDP Loan, of any person age 18 or older, including ALL SOURCES of income, cannot exceed the following limits:

Application Packet:
1. Application Cover Letter	4. Property Owner Conditions
2. Data Privacy Statement	5. SCDP (DTED) Application
3. App., Loan and Rehab Process	6. Authority to Release Information Form
7. Income Verifications (Use only the forms that pertain to your household):     2 yrs. Tax Returns for Self Employed Applicants (No HRA Form Available)
Verification of Employment	Verification of Assistance
Checking/Savings Account	Pension/Retirement Verification
8.    Mortgage Verification
9.    Legal Description, Property Tax Statement & Proof of Current Homeowner’s Ins.
10. Photo Release Form
11. Lead-Based Paint Handout
12. Lead-Based Paint Statement
13. Fair Housing Handout
14. Fair Housing Certification
15. Understanding of Owner Match Requirement
16. Guidelines for Subordination Request
17. What to Expect and What Not to Expect