Housing Resources

Residential Rehabilitation Deferred Loan Program

Ramsey County offers a residential rehabilitation deferred loan program for low- and moderate-income homeowners. The loan program is administered by the Greater Metropolitan Housing Corporation. Loans of up to $15,000 may be used for improvements such as:

• Replacing a deteriorating roof
• Replacing an old, inefficient furnace
• Installing new storm windows and doors
• Upgrading electrical and plumbing systems to code
• Improving the home to meet the needs of disabled persons

Energy Conservation Deferred Loans
Ramsey County has partnered with Neighborhood Energy Connection to provide energy loans. Qualified homeowners can receive up to $6,500 to replace their old, inefficient heating systems and upgrade their home insulation. There are no payments, no interest and nothing due unless the home is sold within ten years of the loan closing. For more information, visit NEC's Energy Conservation Deferred Loans webpage.

Down Payment Assistance

The Greater Metropolitan Housing Corporation also offers mortgage and down payment assistance.

Foreclosure Prevention Assistance

Housing Crisis Response in Ramsey County provides housing services and support for Ramsey County families, single adults, and unaccompanied youth who are homeless or at imminent risk of becoming homeless.