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Home Improvement Grants & Loans
The Fridley Housing and Redevelopment Authority (HRA) provides a variety of housing rehabilitation programs to help Fridley residents maintain and improve their homes and apartments. The following is a summary of the programs available. Loan and grant programs can be used simultaneously for eligible projects.
Home Improvement Loans
Low Interest Loan
- 2% fixed rate
- Loan amounts from $1,000 - $50,000 - perfect for any size project
- No income limits
- Affordable payments with terms up to 20 years
- Available for single-family homes
Multi-Family Exterior Loan
- 2% fixed rate
- $50,000 maximum loan amount
- No income limits
- 1-12 unit properties are eligible
- Eligible improvements include corrections to code violations, interior and exterior structure improvements
Learn more and apply online for the Multi-Family Exterior Loan.
Mobile Home Improvement Loan
- 2% fixed rate
- $10,000 maximum loan amount
- No income limits
- Most interior and exterior improvements are eligible
Learn more and apply online for the Mobile Home Improvement Loan.
Senior Deferred Loans
As of February 15, 2022, funds for Senior Deferred Loans are no longer available for the year.
- 0% interest rate
- $25,000 maximum loan amount
- No income limits
- Residential properties eligible
- Eligible improvements are most interior and exterior projects
Emergency Deferred Loans
An emergency is defined as a condition that makes a house uninhabitable, extremely dangerous to the occupants, or is capable of causing severe health problems.
- 0% (0.125% APR)*
- No monthly payments.
- Loan amounts from $500 to $10,000.
- *APR based on $10,000 for 30 years.
Down Payment Assistance Loan
The intent of this program is to provide an additional incentive for first time home buyers to move to Fridley. The loan carries no interest and payment is deferred until the property is sold, refinanced, transferred or is no longer owner-occupied.
Loan Terms / Eligibility
- Loan amounts up to $5,000
- 0% annual percentage rate (APR)
- Income limit of 110% of Area Median Income (AMI) based on household size
- The loan is deferred until the property is sold, refinanced, transferred or is no longer owner-occupied
- Financing is secured by a mortgage on the property
- Closing costs apply
- Borrower must be considered a first-time homebuyer as defined by someone who hasn’t owned a home within the last 3 years.
- Prior to closing the homebuyer(s) MUST attend a Home Stretch workshop or other valid homebuyers course offered through an approved counseling agency by the US Department of Housing and Urban Development (HUD).
- 1 to 4 unit, owner occupied buildings
- Single family, townhomes, duplexes, condominiums, and properties held in a trust are eligible
Rebates & Grants
Residential Paint Rebate Program
Applications for 2022 funding are available on a rolling basis (no application deadline).
DO NOT purchase supplies or begin your painting project before receiving a signed Participation Agreement from HRA Staff.
This program was developed to eliminate blight, preserve and improve the appearance of neighborhoods by providing rebates of up to $500 for cost of materials and supplies for exterior painting of eligible homes, by low- and moderate-income families. Maximum rebate of $500 for single family homes, and up to $350 per unit (not to exceed $1,400) for rental properties.
Eligible Applicants:
- Homeowners: Owner occupant, holding title to the property. Household Income may not exceed 110% of Area Median Income (AMI)
- Owners of Rental Property: Up to 4 unit-buildings, owner must live in building. Household income may not exceed 110% AMI
Apply for the Residential Paint Rebate Program
DO NOT purchase supplies or begin your painting project before receiving a signed Participation Agreement from HRA Staff.
Projects should be completed within 4 months of application.
View max income limits for 2022 (PDF)
Insulation Rebate
Increased insulation may improve your home's efficiency and comfort. This program will match utility (CenterPoint Energy or Xcel Energy) insulation rebates up to $500 for projects completed after January 1, 2022.
Program Guidelines and Eligibility
- Rebates available for attic air sealing, attic insulation, wall insulation, and rim joist installation projects that have received a utility insulation rebate.
- All insulation work must have been completed after January 1, 2022.
- All applicants must have had a Home Energy Squad visit occurring after January 1, 2019 to qualify.
- The program only matches utility rebates; installer or manufacturer rebates do not qualify.
- Receipt of utility rebate is required. Applicants must submit their application, including a copy of their utility rebate, within 60 days of date on rebate check.
- The rebate check will be issued to the same person listed on the utility rebate.
- Rebate is only available to properties of 1-4 units.
- Funding is limited and subject to availability. Rebates will be approved based on order of receipt.
- Checks will be mailed to recipient 2-3 weeks after application submission.
More Information
Home Energy Squad
CenterPoint Energy Insulation Rebates
Xcel Energy Insulation Rebates
Questions?
Email Nancy.Abts@FridleyMN.gov or call 763-572-3593
Front Door Grant Program - Not currently accepting applications
Grant application deadline: March 7, 2022, 4:30 pm
This program is meant to provide an incentive for homeowners to increase the “curb appeal” of their home (and the City) by making improvements on the street side of their home. Grants are provided to pay for a portion of the improvements. Project tasks are considered either Basic or Beautification and the Grant amount varies based on type of work being completed. To be eligible for this program and receive the minimum grant of $1,000, homeowners must invest a minimum of $4,000 in projects from the "Beautifications Projects" list below.
Grant amount ranges from $1,000 up to $5,000. Beautification Projects are reimbursed at 25% of project cost. (Optional) Basic Projects are reimbursed at 15% of project costs.
Eligibility:
- Owner Occupied, Homesteaded, single family/duplex
- Current on property taxes
- Property valued at less than $400,000 (Verify via Anoka County)
- Project must be visible from street in front of home
- Work may not begin until project approval by City and HRA
- May have received prior Fridley HRA Grants in the previous year; however, priority will be given to those who did not receive a grant in 2021
- Projects must include at least one item and at least $4,000 worth of work from the Beautification Project list
Beautification Projects (25%) $4,000 worth of Beautification Project work required | Basic Projects (15%) Optional, once $4,000 Beautification Project minimum is met |
Front door, storm door and/or garage door | Roof |
Sidelight windows by front door | Siding |
Columns at front door | Painting |
Covered front porch | Soffit / Fascia |
Brick, stone or shakes | Trim |
Permanent landscaping | Gutters |
Driveway & Sidewalk repair & replacement | Windows |
Window boxes & shutters | Retaining wall - repair or replace |
Screening of utility boxes, garbage/recycling cans | Chimney repair, tuck-pointing, repointing |
Fence | Deck or Porch – front/side yard, visible from front |
| Eligible permanent interior upgrades, including but not to limited major remodeling, building an addition, or finishing previously unfinished space. |
- Apply online for a Front Door Grant
- View a guide to completing an online grant application (PDF)
You will receive an automated notification once your online application is received.
Applicants who have applied by the Front Door Grant Application Deadline of 4:30 pm on March 7, 2022, will be notified of their grant status the following week. Please do not contact the City to inquire about your grant status prior to March 15, 2022.
If applications exceed available funds, eligible projects will be selected by random drawing. Priority will be given to those who did not receive a grant in 2021. If funds remain available, a second round of applications may be considered.
If selected for a grant, Staff will send you a list of Next Steps, or a notice of ineligibility if not selected. You are encouraged to schedule a FREE Remodeling Advisor visit (see below) before soliciting bids or collecting materials lists for the work to be done.
A grant Participation Agreement will be prepared based on the final bids (or materials lists) submitted to the HRA. Your maximum grant amount will be determined at this time and cannot be increased. Funds are reserved for your project once the Grant Participation Agreement has been signed. If funds remain uncommitted as of Monday, April 25, 2022, they may be made available to other housing program applicants.
Projects should be completed within 6 months of signing the Grant Participation Agreement.
Water Rebate Program
For a limited time, Fridley residents and businesses can qualify for rebates of up to 75 percent off the cost of water efficient appliances and irrigation system components. Rebates are available on a first come, first serve basis.
Fridley Foundation Grant (Combined with the Front Door Grant in 2022)
The interior remodeling grants provided under the Foundations program in 2021 have been made part of the Front Door Grant in 2022.
The intent of the Fridley Foundations Grant was to provide financial incentives for homeowners undertaking large remodeling projects valued at $35,000 or more. Financial incentives included a grant up to $5,000. The program was intended to build off the City’s previous Fridley Foundations Remodeling Demonstration Program. Projects must have included approved exterior improvements to have received the full grant amount.
Free Remodeling Advisor Visits
Not sure where to begin? This FREE service for Fridley homeowners includes a visit to your home to assist with remodeling ideas, evaluate necessary repairs and improvements, and assist with reviewing bids. Call 612-244-2470 to schedule an appointment.
Home Energy Squad Enhanced Visits
Save Money and Energy in Your Home! A $50 investment in your home could save you hundreds!
What to expect:
- Installation of energy saving materials such as: door weather-stripping, a programmable thermostat, LED light bulbs, a water heater blanket, and high efficiency water fixtures.
- Perform a blower door test to measure your home for air leaks.
- Complete an insulation inspection.
- Perform safety checks on your heating system and water heater.
- Recommend cost-effective energy upgrades.
- Leave you with a report that serves as a road map for next steps you can take to make your home more energy efficient.
This home visit also qualifies you for utility rebates, as well as access to specialized energy financing. Click here to schedule an appointment online or call 612-228-6220.
This program is provided by CenterPoint Energy and Xcel Energy in partnership with Center for Energy and Environment (CEE), a local non-profit, and supported by the Fridley HRA.
Anoka County Resources
Anoka County offers additional information for homeowners and renters, including home buying information, additional finance programs, fair housing, senior housing, foreclosure prevention and more.