Minnesota Housing Fix Up Loan

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Improve your home with an affordable Fix Up Loan through First Minnesota Bank and Minnesota Housing. The Fix Up Loan Program can help you make the home improvements, repairs, and renovations you want with the financing you can afford.

Loans Offered By First Minnesota Bank:

  • Secured Loan - This loan is secured by a mortgage loan and has a maximum loan amount of $50,000.
  • Unsecured Loan - No equity or mortgage loan is required, but the maximum loan amount is only $15,000.
  • Secured Energy Loan - This loan is secured by a mortgage loan and must be used to make energy efficiency improvements. The maximum loan amount is $15,000.
  • Unsecured Energy Loan - No equity or mortgage loan is required, but the loan must be used to make energy efficiency improvements. The maximum loan amount is $15,000.
  • Secured Accessibility - This loan is secured by a mortgage loan and must be used to make accessibility improvements. The maximum loan amount is $15,000.

Minnesota Housing Qualifications:

  • Must own and occupy the property to be improved (single family homes, duplexes, triplexes, and fourplexes are eligible)
  • Must meet minimum credit score requirements (620 for secured and 680 for unsecured)


To learn if you qualify for this program, click the button below to contact one of our local mortgage lenders.


Contact a Lender