Fix-up Fund

Ready to Fix Up or Remodel Your Home?


There’s a Minnesota Fix Up Fund available to local residents to make a variety of home improvements. Northwestern Bank is working with the Minnesota Housing Finance Agency to make these loans available. Call 218-233-2371 for more information.


Here are some details about the program:


Eligibility Requirements

  • Household income at or below $99,500.00
  • Income limit may be waived if the improvements are being made for the accessibility of a family member with a disability.
  • Property must be owner-occupied.
  • Single family homes, duplexes, triplexes and four-plexes are eligible.


Loan Features

  • Hire a contractor or do the work yourself.
  • Maximum loan term of 10-20 years based on the loan amount.
  • Loan amounts from $2,000 to $50,000.
    • Unsecured loans now available up to $15,000.
    • Lower interest rate available for funds that are used exclusively for energy conservation or basic accessibility improvements.
    • A higher loan amount may be available if the improvements are being made for the accessibility of a family member with a disability.

Eligible Home Improvements

  • Most improvements to the accessibility or energy efficiency of a home, or general repairs are eligible, such as:
    • Windows
    • New Furnace
    • Electrical Wiring
    • Garage
    • Insulation
    • Central Air Conditioning
    • New Roof
    • Septic Repairs
    • In addition to energy-saving upgrades, homeowners may also finance renewable energy improvements. These include solar thermal, solar electric and wind turbines/generators.


Ineligible Home Improvements

  • Swimming Pools
  • Gazebos
  • Reimbursing or Refinancing for Improvements Already Done
  • Hot Tubs
  • Recreational or Entertainment Facilities
  • Mobile Homes Not On a Permanent Foundation and Not Taxed and Financed as Real Property

Ready to Get a Loan?

  1. 1.      Decide on your project. Get contractor’s bides or an itemized materials estimate from a home improvement retailer for your proposed project.
  2. 2.      Contact Northwestern Bank in Dilworth, Moorhead, Ulen and/or Hendrum.
    1. a.      Dilworth: 218-287-2311
    2. b.      Moorhead: 218-233-2371
    3. c.       Ulen: 218-596-8837
    4. d.      Hendrum: 218-861-6211
    5. e.      Or, check for other eligible lenders.
    6. 3.      Your Northwestern Bank lender will help you apply and work with you to complete the loan process and close your loan.