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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.
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
Update: 2021 funds for Senior Deferred Loans have all been used. Applications will no longer be accepted for the remainder of the year. Please check back in 2022.
- 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
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, 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 and income does not exceed 110% AMI
Apply for the Residential Paint Rebate Program
View a grant overview (PDF)
View max income limits (PDF)
Front Door Grant Program
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, 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
- Have not received prior Front Door Grant, in the current year
- 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 |
Apply for the Front Door Grant Program
View a grant overview (PDF)
You will receive an automated notification once your online application is received. Staff will review the online application and send you a list of Next Steps if approved or a notice of ineligibility if not approved. If approved, you will be asked 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 selected bids (or materials lists) submitted to the HRA. Funds are reserved for your project once the Grant Participation Agreement has been signed. Your maximum grant amount will be determined at this time and cannot be increased.
Fridley Foundations Grant
The intent of the Fridley Foundations Grant is to provide financial incentives for homeowners undertaking large remodeling projects valued at $35,000 or more. Financial incentives include a grant up to $5,000. Program is intended to play off the City’s previous Fridley Foundations Remodeling Demonstration Program. Project must include approved exterior improvements to receive full grant amount.
Requirements / Eligibility
- Must be homesteaded, owner-occupied homes at least 20 years old (Verify via Anoka County)
- No income limits for participants in this program
- Consultation with the City’s Remodeling Advisor
Qualifying Projects:
- Building an addition
- Building a sunroom
- Finishing previously unfinished space
- Constructing a covered front porch
- Converting a garage into livable space
- Major kitchen, bathroom, or basement remodel
- Adding a bathroom
- Reconfiguring living space
Projects including two or more exterior upgrades are eligible for a grant of up to 10% of the project cost, not to exceed $5,000. Projects that do not include eligible exterior upgrades are limited to a grant of up to 5% of the project cost, not to exceed $2,500.
Eligible exterior upgrades include:
- Altering the roofline on the front of the house
- Constructing columns at the front door
- Building a covered front porch
- Enhancing the front of the house with brick, stone, or shakes
- Upgrading the front door and/or garage door if it faces the street
- Landscaping (landscape design assistance required)
- Other elements as approved
Apply for the Fridley Foundations Grant
You will receive an automated notification once your online application is received. Staff will review the online application and send you a list of Next Steps if approved or a notice of ineligibility if not approved. If approved, you will be asked 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 selected bids (or materials lists) submitted to the HRA. Funds are reserved for your project once the Grant Participation Agreement has been signed. Your maximum grant amount will be determined at this time and cannot be increased.
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.
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.