Mounds View Emergency Repair Deferred Loan

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The intent of the Mounds View Emergency Repair Loan Program is to provide funds to owner-occupants of properties who face emergency home repairs and are unable to obtain funds to repair the problem(s) through traditional funding sources. 

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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Definition of Emergency:

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.

About the Loan

  • 0% APR.
  • No monthly payments.
  • Loan amounts from $1,000 to $5,000.
  • No down payment required. 


Property Eligibility

  • 1-4 unit residential properties located in the City of Mounds View. 
  • Owner-occupied.
  • Loan approval is subject to credit and program guidelines.
  • ​To qualify for this program borrower(s) must not be eligible for any other financing administered by CEE.

Loan Details

  • No income limits. 
  • No closing costs.
  • The Deferred Loan is 100% due if the property ownership changes.
  • ​All borrowers must be a legal resident of the United States, as evidenced by a social security number.


  • Eligible improvements will be determined through a required analysis of the emergency condition of the property.
  • 2 bids are required from properly licensed contractors for projects over $5,000.

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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