Mortgage Foreclosure Prevention
Home Improvement Loans
Energy Assistance & Weatherization Grants
Split Visions Remodeling Planbook
Apple Valley Mobile Home Replacement Program
Burnsville Home Remodeling Advisor Program
Homeowner Affordability & Stability Plan
On March 4, 2009, the federal Making Home Affordable Program was launched to offer mortgage relief to homeowners who have fallen behind or who are struggling to make their mortgage payment. Homeowners may be able to refinance or modify their mortgage loan, depending on their situation.
Please be patient – detailed program requirements were only recently made available, and it may take some time before lenders and servicers are ready to accept applications. For program information and eligibilities, please visit: www.financialstability.gov/makinghomeaffordable/ or call the Dakota County CDA’s foreclosure intake line at (651) 675-4555 to speak with a housing counselor.
Making Home Affordable Fact Sheet (PDF)
The Mortgage Foreclosure Prevention Program (MFPP) provides free counseling assistance to help homeowners who are in or nearing foreclosure with referrals to additional resources and, in some cases, financial assistance. Homeowners work one-on-one with the CDA homeownership specialists to assess the situation and determine possible solutions.
Applying for MFPP
Applicants must be a resident of Dakota County and be committed to solving their financial problems with long-term solutions.
How does the program work?
- The homeowner submits an application and necessary documentation to the CDA.
- The CDA works with the homeowner's mortgage company, gathers information and begins to develop a plan to address the homeownership and financial issues.
- The homeowner will meet with one of the CDA's homeownership specialists to go over the application in detail and continue the process of developing a plan to resolve the mortgage delinquency. This includes an in-depth look at the homeowner's finances to develop a budget for the future.
- As a last resort, a one-time limited amount of financial assistance is available to qualified homeowners. These loans are given on a case-by-case basis and are not guaranteed for every homeowner that is counseled through the program.
Mortgage Foreclosure Prevention Program Brochure
(PDF, 180 KB, 2 Pages)
To speak with a trained Homeownership Specialist about foreclosure prevention, call (651) 675-4555.
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The CDA's Home Improvement Loan Program assists low- and moderate-income homeowners with making repairs and improvements to their homes. Funds are commonly used for roof replacement, furnace replacement, electrical and plumbing repairs, insulation and special needs improvements (such as ramps, bathroom and kitchen modifications).
Eligible applicants must own their home, have sufficient equity in the property, a satisfactory credit history and a gross annual income within the program income limits.
Loan Features
- No monthly payments.
- Repayable when ownership changes or you move from the property. May be required to repay the loan if you refinance your home or take out a home equity loan.
- Owners of manufactured/mobile homes are not charged interest on their loan.
- Zero percent, deferred loans available for homeowners earning less than 50% of area median income.
- Homeowners earning between 50-80% of area median income can qualify for a 3% deferred loan.
- $25,000 loan limit.
Home Improvement Loan Program
Income Limits
Household Size |
0% Interest
Loan |
3% Interest Loan |
1 |
$29,350 |
$44,800 |
2 |
$33,550 |
$51,200 |
3 |
$37,750 |
$57,600 |
4 |
$41,950 |
$64,000 |
5 |
$45,300 |
$69,100 |
6 |
$48,650 |
$74,250 |
7 |
$52,000 |
$79,350 |
8+ |
$55,350 |
$84,500 |
If you qualify, the CDA will inspect your home, prepare specifications and assist you in obtaining at least two bids for the work to be done. Loan proceeds are kept on account for you by the CDA and payment is made directly to the contractors on your behalf when the work is completed. Inspection of work in progress and upon completion is required by both you and the CDA before payment is made.
The CDA also offers two other improvement loans that are financed by the Minnesota Housing Finance Agency. The first is the Rehab Loan Progam which serves households earning below 30% of area median income and provides deferred loans up to $15,000.
The second is the Fix-Up Fund Loan which is available to households with incomes up to $93,100. This is an installment loan program that allows a qualified applicant to borrow up to $35,000 for needed home improvements.
Home Improvement Loan Program Application (PDF)
Questions about Home Improvement Loans?
Contact Mark Hanson at (651) 675-4469.
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The Energy Assistance Program is administered by the Scott-Carver-Dakota CAP Agency. This program provides grants to help income qualified homeowners pay their heating bills. For information or to request an application for the Energy Assistance Program, please contact the CAP Agency at (651) 322-3500.
The Weatherization Program is administered as a joint effort between the CAP Agency and the CDA . The program provides income qualified homeowners a grant to help make their home more energy efficient. Grant funds are used to insulate attics or walls or to upgrade furnaces. Households who have applied to and are eligible for the Energy Assistance Program are automatically referred to the Weatherization Program.
Weatherization Program Income Limits
Household Size |
Maximum Income |
1 |
$21,184 |
2 |
$27,702 |
3 |
$34,220 |
4 |
$40,738 |
5 |
$47,256 |
6 |
$53,774 |
7 |
$54,996 |
8 |
$56,219 |
9 |
$57,441 |
If you qualify for the Weatherization Program, the CDA's Energy Specialist will conduct an energy audit on your home to determine solutions to improve your home's energy efficiency. The CDA will assist you in selecting a qualified contractor to complete the work. Payment is made directly to the contractor on your behalf when the work is completed and after the CDA has inspected the work.
For information about the Weatherization Program, call (651) 675-4554.
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A consortium of 15 metropolitan communities partnered to produce an idea book for remodeling, improving and updating split-style homes. Owners of split homes were invited to offer their comments and ideas about what they liked, disliked and what they would like to change about their homes. Homeowner responses were compiled and the planbook derived from their desires and suggestions.
Split Visions Remodeling Planbook (PDF, 3.78 MB, 35 Pages)
This program provides an incentive for owners of manufactured homes located in Apple Valley to replace older, substandard, or dilapidated homew with newer manufactured homes.
The following assistance is available to income eligible applicants:
- Costs, not to exceed $2,000, of removing and demolishing manufactured home units to be replaced.
- 50% of the required downpayment for a replacement manufactured home.
- Assistance with setting up a replacement manufactured home including moving costs, utility connections, permits, anchoring and skirting installation.
The downpayment and setting up assistance will be secured as a lien on the property. The lien will be forgiven if the applicant resides in the home for five years after being assisted.
Mobile Home Replacement Program Income Limits
Household Size |
Income
Limit |
1 |
$44,800 |
2 |
$51,200 |
3 |
$57,600 |
4 |
$64,000 |
5 |
$69,100 |
6 |
$74,250 |
7 |
$79,350 |
8+ |
$84,500 |
The replacement manufactured home must meet program standards and the project must be feasible for the applicant.
For a Mobile Home Replacement application, call Mark Hanson at (651) 675-4469.
The Home Remodeling Advisor Program matches an experienced, unbiased remodeling advisor directly with a homeowner to discuss remodeling ideas. The advisor will come directly to the home for a free two-hour consultation. Homeowners are able to talk about any remodeling idea - either interior or exterior - and the advisor will assist in the decision making process. The program is intended to provide unbiased information and not sell the homeowner on any particular direction or product.
The City of Burnsville is partnering with the Center for Energy and the Environment (CEE) and the Dakota County CDA for the program. CEE is a leading non-profit organization that promotes the responsible use of natural and economic resources. The program is part of the City of Burnsville's continuing program to maintain and improve neighborhood viability.
Additional information about the Home Remodeling Advisor Program is available by calling the CEE at (612) 335-5856.
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