Lowry Hill East Green Matching Deferred Loan

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Lowry Hill East Neighborhood Association (LHENA) is making Neighborhood Revitalization Program (NRP) funds available to property owners of the Lowry Hill East neighborhood to make improvements to their properties.

The guidelines below are subject to change at any time without notice. Loan funds are subject to availability. Email or call for complete details. 

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About the Loan

  • 0% APR.
  • No monthly payments.
  • Loan amounts from $500 to $4,000.


Property Eligibility

  • Owner-occupied or absentee owned 1-4 unit residential properties.
  • Owners of condominiums and townhouses are eligible.
  • Properties under construction or held in Trust are not eligible.
  • Loan approval is subject to credit and program guidelines.

Loan Details

  • No maximum income limit. 
  • Closing costs apply.
  • Fixed interest rate.
  • 100% of the loan will be forgiven if the borrower retains ownership of the property for 5 years from the closing date of the loan.
  • This loan is secured by a mortgage on your property.
  • 1:1 matching is required. 
  • Borrowers may have a maximum of two NRP loans out from any combination of the programs at any one time.
  • Funds are held in a non-interest bearing escrow account at CEE from loan closing until the work is completed and all final documentation is received. 


  • Eligible improvements include most energy efficiency improvements. Examples include air sealing, insulation, heating upgrades, A/C for increased efficiency, hot water heater replacement, ventilation and rain gardens to improve drainage conditions. 
  • Unless part of a larger project or needed to address a potential structural threat: fences, trees, shrubs and non-permanent landscaping are ineligible improvements.
  • 1 bid is required from a properly licensed or registered contractor with the MN Department of Labor for projects under $15,000. 2 bids are required for projects over $15,000.
  • For do-it-yourself projects, a materials list including prices is required. The cost for labor and the purchase of tools 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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