 Fix Up Loan Program Changes Effective Today!
Changes to the Fix Up Loan Program go into effect today. These changes are effective for loans locked on or after May 1, 2025.
Fix Up (secured and unsecured) income limits:
|
|
11-County Twin Cities Metro Area
|
Dodge and Olmsted Counties
|
All Other Counties
|
|
Income Limits
|
$161,500
|
$161,500
|
$145,300
|
The 11-County Twin Cities Metro Area is defined as: Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Sherburne, Washington, and Wright counties.
Energy Incentive (secured and unsecured) income limits:
|
|
11-County Twin Cities Metro Area
|
Dodge and Olmsted Counties
|
All Other Counties
|
|
Income Limits
|
$161,500
|
$161,500
|
$145,300
|
The 11-County Twin Cities Metro Area is defined as: Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Sherburne, Washington, and Wright counties.
Income limits for Energy Loan Plus will remain at 80% AMI.
Visit the Income Limits for Home Improvement for Home Improvement Programs webpage for all Fix Up income limits.
Note: The Fix Up income limits will increase on June 2 in accordance with HUD's recently released 2025 income limits. Stay tuned for future eNews that will provide more information.
Accessory Dwelling Unit (ADU)
- The construction or rehabilitation of a detached Accessory Dwelling Unit (ADU) is now eligible. Internal and attached ADUs are already eligible.
Updated eSignature Policy
In addition to the program changes mentioned above, the updated Fix Up Loan Program Procedural Manual will contain a revised eSignature policy as well as a new Legal Addendum (Appendix B in the manual).
Effective May 1, 2025:
Minnesota Housing accepts documents that are signed electronically. Under no circumstances may a borrower or co-signer be required to sign a document electronically. Electronically signed documents must follow all requirements set forth by state and federal law.
For full language, see Appendix B in the updated Fix Up Loan Program Procedural Manual.
Fix Up Lender Connect
Join us for quarterly Fix Up Lender Connect calls where we focus on answering questions about Fix Up and reviewing pertinent program topics.
Please email Kirsten Partenheimer with any topics or questions for the next check-in.
Register for the Fix Up Lender Connect calls.
When you register, you will be signed up for all sessions in the series but can attend the sessions that work for you. Calls occur quarterly on the third Wednesday of the month at 9 a.m. Central time. Calls generally last 10-30 minutes depending on topics and conversation.
2025 Schedule:
- Wednesday, July 16
- Wednesday, October 15
Questions?
You can reach the Partner Solutions Team at 651.296.8215 or 800.710.8871 between 8 a.m. and 5 p.m. on business days.
About Minnesota Housing
Minnesota Housing, the state’s housing finance agency, works to provide access to safe, stable and accessible housing Minnesotans can afford in a community of their choice. In 2024, we distributed $1.96 billion in resources and served 73,650 households. Visit our website to learn more.
|
