Semcac, a community action agency serving southeastern Minnesota, has funds available through Minnesota Housing for housing rehabilitation loans for eligible homeowners in Dodge, Fillmore, Freeborn, Goodhue, Houston, Mower, Rice, Steele, Wabasha and Winona counties, according to a press release.

The loan is a 0-percent interest rate loan with a 15-year term or a 10-year term for mobile/manufactured homes in a mobile home park.

If you meet the following requirements, you may be eligible to borrow up to $27,000 to complete improvements to your home:

Must have owned and occupied the property as principal place of residence for the past six months

Current with property taxes

Current with mortgage payments

Have homeowners’ insurance on the property

Have less than $25,000 in assets

Have had the property weatherized by Semcac or Three River’s community action agency or on the waiting list to be weatherized

Have total gross household income within the income limits, which is 30 percent of Minneapolis/St. Paul

Properties in a reverse mortgage, trust or in a cooperative are not eligible

For more information on the program, contact Cindy Vitse at Semcac, P.O. Box 549, Rushford, MN 55971; call 507-864-8207 or email  cindy.vitse@semcac.org. All applicants are protected under the Data Privacy Act.