Home Rehabilitation Loan Program

In response to the Coronavirus (COVID-19) pandemic and to protect our customers and employees, Anoka County temporarily closed all its public-facing services.  Even though face-to-face visits have been eliminated, county employees will still be available to help via email, phone and virtual visits. 

The Homeowner Rehabilitation Loan Programs provides deferred payment loan financing to income-eligible homeowners to address health and safety concerns in your home, does not cover cosmetic updates or deferred maintenance. Anoka County offers two loan programs to Anoka County property owners. See the program fact sheets below. 

Loan program income limits are based on gross household annual income of all household members. Borrowers must not exceed the income limit per household size. Approved Homeowner Rehabilitation Loan Programs applicants will be placed on a first come, first served wait list.

Homeowner Rehabilitation Loan Program Factsheets
Fact Sheet - MN Housing Home Rehabilitation Loan Program (PDF)
Fact Sheet - CDBG Rehabilitation Loan Program Anoka County (PDF)

Protect Your Family From Lead - Brochure (PDF)

2021-2022 Household Size / Income Limits (effective June 1, 2021)

  • 1 Persons = $55,950
  • 2 Persons = $63,950
  • 3 Persons = $71,950
  • 4 Persons = $79,900
  • 5 Persons = $86,300
  • 6 Persons = $92,700
  • 7 Persons = $99,100
  • 8 Persons = $105,500

To apply, complete and submit this Pre-Application for a Home Rehab Loan to assist our staff in determining if your household is potentially qualified and which program is right for you.  The pre-application must be completely filled out or it will be returned until the required information is received.  Homeowners mortgage must be current (not in forbearance or behind on payments). 

Please Note: the Home Rehabilitation Loan Program currently has a waiting list. Wait times could be significant and will vary depending on the time of year and the availability of funds. Completed pre-applications are processed on a first come, first served basis.  Incomplete pre-applications will not be processed until all required information is received.

Next Step:  Staff will review your completed pre-application to determine which program is a better fit based on your estimated household income.  If your household is invited to complete the Full Loan Application, copies of these documents for all household members over 18 years of age are required for loan approval: Photo ID, Social Security Card, W2's, Tax Returns, Current Mortgage Statement, Homeowners Insurance Certificate,  Paystubs, Social Security Statement and/ or Other Income Payments, along with Financial Statements for Checking, Savings and Retirement Accounts.

Submit Pre-Applications via email: Stephanie.Nwaudo@co.anoka.mn.us or mail: Anoka County Government Center, ATTN: Community Development  2100 Third Avenue Suite 700, Anoka MN 55303

For questions on Homeowner Rehabilitation Loan Programs, call 763-324-4605.