0% Interest Loan$ for Mobile/Manufactured Home Rehab & Improvements, Includes MH in Communities


Housing rehabilitation loans are available for mobile/manufactured homes in mobile home parks, says the Winona Daily News.

While this program is for parts of Minnesota, similar programs exist in other states and markets too.

Semcac, a Community Action Agency serving southeastern Minnesota, has funds available through Minnesota Housing for housing rehabilitation loans for eligible homeowners in Dodge, Fillmore, Freeborn, Goodhue, Houston, Mower, Rice, Steele, Wabasha and Winona counties,” said the report.

The loans are reportedly at a 0% interest rate loan with a 15-year term or a 10-year term for mobile/manufactured homes in a manufactured home land-lease community.

According to the SEMAC website, “If you meet the following requirements, you may be eligible to borrow up to $27,000 to complete improvements to your home:”

To be eligible, you must:

  • Meet the maximum household income limit of $99,500
  • Meet credit requirements (score of 620 minimum for secured; score of 680 minimum for unsecured)
  • Own and occupy the property

Some examples of improvements you could make

  • Furnace or Boiler
  • Central Air Conditioning
  • Windows
  • Doors
  • Insulation
  • Water Heater
  • Siding
  • Roofing
  • Septic System
  • Mold Mitigation
  • Basic Garage, if none exists

Other Qualifiers.

  • Must have owned and occupied the property as principal place of residence for the past six months;
  • Current with your property taxes;
  • Current with your mortgage payments;
  • Have homeowners’ insurance on the property;
  • Have less than $25,000 in assets;
  • Have had the property weatherized by Semcac or Three River’s Community Action Agency or on the waiting list to be weatherized;
  • Have total gross household income within the income limits.

Properties in a cooperative are not eligible, per the Winona Daily News. For more details, call Cindy at Semcac, PO Box 549, Rushford, MN 55971, direct line 507-864-8207 or e-mail cindy.vitse@semcac.org. ## (News, analysis, and commentary.)

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Soheyla is a managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

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