Minneapolis & St Paul Garage Construction Financing | The Minnesota Fix-up Fund

Minnesota Fix-Up Fund Garage Construction & Home Improvement Financing

The Minnesota Fix-Up Fund is a state-wide program that offers loans at below-market interest rates to Minnesota Homeowners. The Minnesota Fix-Up Fund was established to improve the basic livability and/or energy efficiency of the borrower’s home.


For our Minneapolis St Paul Garage Construction customers, the lending center we recommend first is CEE, Center for Energy and Environment

Center for Energy and Environment offers financing to residential property owners for rehab projects like garages and most energy efficiency projects. CEE is a non-profit organization and a Minnesota Housing Fix-Up program lender. 

The loan officer Western Construction recommends is Brenda Yaritz. Brenda brings many years of Minnesota lending experience and has been with CEE since 1998 and is a Senior Loan Officer.

Click Here To Start the Minnesota Fix Up Fund Application Process

For questions you can contact Brenda direct contact information is loaninfo@mncee.org 612-335-5884. 

Hablamos Espanol: 612-335-5856

Eligible Minnesota Fix-Up Fund Home Improvement Projects Include

  • Attached or Detached Garages
  • New energy efficient Replacement Windows
  • Upgrade an existing bathroom
  • Add a bathroom
  • Finish an attic or basement
  • Install dormers
  • Build an addition
  • Build a new Porch
  • Install new Vinyl, James Hardi or LP SmartSide siding
  • Replace a roof
  • Remodel the kitchen
  • EV charging stations

Minnesota Fix-UP Fund MHFA Program

  • The maximum loan amount is $75,000
  • Interest rate: Currently 6.125 Term 5 years "Rates are subject to change"
  • Interest rate: Currently 6.375% Term 10 years "Rates are subject to change"
  • Interest rate: Currently 6.5% Term 15 years "Rates are subject to change"
  • Interest rate: Currently 6.625% Term 20 years "Rates are subject to change"
  • Interest rates are subject to change at any time so please call or click for current rates
  • Minnesota Fix Up Fund Home Improvement Loan Current Rates and Payments
  • Maximum term 20 years
  • All loans will be secured by a mortgage
  • Eligible borrower's gross annual household income of $185,700.00 or less
  • Borrowers must own the property or be purchasing it through a mortgage or contract for deed
  • You must close on the loan prior to beginning the project(s).
  • Other programs and terms are available

Eligible Minnesota Fix-Up Fund Improvements

  •  Most Home Improvements are eligible, for interior or exterior maintenance, remodeling and of course, building your new Western garage.
  • Owner-occupied, primary residence
  • Properties cannot be in the name of a Trust