Semcac, a community action agency serving southeastern Minnesota, has funds available through Minnesota Housing for housing rehabilitation loans for eligible homeowners in Dodge, Fillmore, Freeborn, Goodhue, Houston, Mower, Rice, Steele, Wabasha and Winona counties. This loan is a no-interest loan with a 15-year term or a 10-year term for mobile/manufactured homes in mobile home parks.

Eligibility requirements to borrow up to $27,000 to complete home improvements are:

• Must have owned and occupied the property as principal place of residence for the past six months;

• Current with your property taxes;

• Current with your mortgage payments;

• Have homeowners’ insurance on the property;

• Have less than $25,000 in assets;

• Have had the property weatherized by Semcac or Three River’s Community Action Agency or on the waiting list to be weatherized;

• Have total gross household income within the income limits.

Properties in a reverse mortgage, trust or in a cooperative are not eligible. For more information on this program, contact Cindy at Semcac, PO Box 549, Rushford, MN 55971, direct line 507 864-8207 or e-mail cindy.vitse@semcac.org.