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MHFA also has a “Step-Up” program which provides the same mortgage opportunities as the “Start-Up” program but funds are used to refinance the home you currently own or allows you to purchase a home even if you owned one less than 3 years ago. You do have to use a lender who is MHFA approved. Minnesota Housing Agency
Yes, Anoka County has a housing repair / rehabilitation programs available to income-qualified homeowners. Rehabilitation is intended to improve housing quality standards – it will not pay for additions or luxury-type improvements. If approved and work is completed, a lien is placed against the property in the amount of costs incurred. The lien is a deferred loan on which no interest accrues and it is considered a “special mortgage” by the state. The county currently administers two state (Minnesota Housing Finance Agency - MHFA) rehab programs: -“Emergency and/or Accessibility” rehab program for income- qualified homeowners AND -“Rehab Loan” program for very low income homebuyers Anoka County funds its own housing rehab program for low/fixed income homeowners. As with the state’s program, completed rehab work will result in a deferred, no interest loan/lien being placed against the homeowner’s property.
Anoka County has several shelter facilities which offer temporary housing: -Stepping Stone Emergency Housing for female and male adults (18 and older) - 763-323-7006 -Alexandra House, Inc. (battered women’s shelter) - 763-780-2330 -Family Promise in Anoka County (shelter for up to 4 families with children) - 763-568-7365 -The Metro Area Hotline provides shelter info for the Twin Cities metro area: 1-888-234-1329