Fix Up Fund


The OCHRA in partnership with Minnesota Housing Finance Agency (MHFA) can provide low interest loans to improve homes. These loans can be used to hire a contractor or the work can be completed by the owner.

The maximum loan amount is $25,000 with a below market fixed interest rate. There is no down payment required and no prepayment penalty.

Electrical wiring, a new roof, room additions, a garage, septic repairs are just some of the possibilities. Most improvements to the livability, accessibility, or energy efficiency of a home are eligible.

Ineligible improvements include: fireplaces, swimming pools and other recreational or entertainment facilities. Mobile homes are not eligible to receive home improvement financing unless they are on a permanent foundation and taxed as real property.

Funds are available throughout the year.


Rob Mathias, OCHRA Staff: inspections, and bidding
507 328-7154 or by email

Minnesota Housing Finance Agency (MHFA):general program information or 800 657-3701