Accessibility Tips

Start a New Search


  • Virginia Office
    702 S 3rd Ave, Virginia, MN 55792-2776
Service Info
Service:Rehabilitation Loan Program
Agency: Arrowhead Economic Opportunity Agency (AEOA)
Loc Name:Virginia Office
Location:702 S 3rd Ave, Virginia, MN, 55792-2776 Map
Phone: (218) 749-2912 Ext: 127

Service Description

The Rehabilitation Loan Program assists homeowners with low incomes in financing home improvements that directly affect the safety, livability, energy efficiency and accessibility of their homes.

Loan Features:
* Maximum loan amount is $27,000 (an additional $10,000 may be added to satisfy any necessary lead-based paint hazard reduction requirements).
* Maximum loan term is 15 years for properties, and 10 years for mobile/manufactured homes taxed as personal property located in a mobile home park.
* Can be used for rehabilitation of single-family homes, duplexes, townhomes, condominiums, manufactured homes taxed as real or personal property, and eligible units in a Planned Unit Development (PUD).
* Loans are forgiven as long as the borrower does not sell, transfer title, or cease to occupy the property during the loan term.

Eligible Home Improvements:
Basic improvements to the livability, accessibility, energy efficiency and addressing lead paint hazards are eligible. Electrical wiring, furnace replacement, plumbing and septic repairs are just some of the possible repairs.


Funding for homeowners to improve the condition of their housing

Typical rehabilitation projects include roofing, windows, doors, flooring, and upgrades on heating, wiring, and plumbing systems. Loans may be deferred (forgiven) or low-interest depending on household income.


Applicants eligible for this program must occupy the home to be rehabilitated. Applicants' assets must not exceed $25,000. The maximum gross income cannot exceed the amount listed on Minnesota Housing's website for the Rehabilitation Loan Program:
(income limits may change annually, and are adjusted by household size).


Residents of Cook, Lake, and St. Louis Counties, excluding the city of Duluth

Application Instructions

Contact a lender on the Minnesota Housing approved list:


Call for more information.

Business Hours

Office Hours: 8:00am - 4:30pm, Monday - Friday

Area Served

AEOA serves residents of St. Louis, Lake, and Cook. Service delivery for some programs has extended to the four neighboring counties of Aitkin, Carlton, Itasca, and Koochiching.

Some services available at this location are provided only in certain limited geographic areas. Please see the Eligibility requirements for each service to determine if that service is available in your location.




Telephone types, numbers and hours

Main (218) 749 - 2912
Toll Free (800) 662 - 5711
FAX (218) 749 - 2944
TTY (800) 862 - 0175

Last Update


Statewide TTY Number

Dial 7-1-1 Learn More