Blaine Accessibility Home Improvement Loan

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The City of Blaine's Economic Development Authority (EDA) currently offers home improvement loan programs for Blaine households that include a disabled resident (a person who has a permanent physical or mental condition which substantially reduces the person’s ability to function in a residential setting).         

The guidelines below are subject to change at any time without notice. Loan funds are subject to availability.

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About the Loan

  • 0% (0.124% APR)*.
  • No monthly payments.
  • Loan amounts from $2,500 to $10,000.
  • No down payment required.

*APR is based on a $10,000 loan over 30 years. 

Property Eligibility

  • 1-4 unit, owner-occupied residential properties in the City of Blaine.
  • Manufactured homes, townhomes, and condos are eligible.
  • Loan approval is subject to credit and program guidelines.
  • Household of borrower must include a disabled household resident (a person who has a permanent physical or mental condition which substantially reduces the person’s ability to function in a residential setting).

Loan Details

  • Secured by a mortgage to your property.
  • Income limits apply.
  • Closing costs apply.
  • After 30 years the loan is 100% forgiven. If the home is sold, transferred or no longer owner-occupied prior to 30 years, 100% of the loan is due.
  • Eligible improvements include accessibility improvements, defined as interior or exterior improvements or modifications to a residential dwelling that are necessary to enable a person with a disability to function in a residential setting. Accessibility improvements must be listed on an Accessibility and Disability Verification form signed by a licensed physician.
  • Projects may include, but are not limited to:
    • Constructing ramps
    • Widening doorways
    • Non-slip flooring
    • Grab bars
    • Accessible vanities and showers
    • Chair and platform lifts
  • One bid is required from a properly licensed contractor for projects under $15,000. All other projects must have at least 2 bids.
  • For do-it-yourself projects, a materials list including prices is required.  The cost for labor and equipment purchase or rental may not be included in the loan.

The current loan terms and conditions stated, including interest rates, do not constitute a commitment to lend or an offer to enter into an agreement, and that such an offer may only be made pursuant to Minnesota Statutes, Section 47.206(3) and (4).

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