Home Improvement Grants & Loans

The Fridley Housing and Redevelopment Authority (HRA) provides a variety of housing rehabilitation programs to help Fridley residents maintain and improve their homes and apartments. The following is a summary of the programs available. Loan and grant programs can be used simultaneously for eligible projects.

Applications for 2024 Deferred Loans and Grants are expected to be available in spring 2024.

Home Advising

  1. Remodeling Advisor
  2. Home Energy Squad

Free Remodeling Advisor Visits

Not sure where to begin? This FREE service for Fridley homeowners includes a visit to your home to assist with remodeling ideas, evaluate necessary repairs and improvements, and assist with reviewing bids. Call 612-335-5884 to schedule an appointment.

Plan Now for Your 2024 Home Improvement Projects

Planning ahead for next construction season can save you money and time in the long run. 

  1. Prepare a list of possible projects. If you are considering energy efficiency upgrades, this is a great time to contact the Home Energy Squad to schedule a visit (information above). For general improvements, the Fridley HRA offers a no-cost Remodeling Advisor service (information above). 
  2. Contact professional contractors to bid the work or begin preparing materials lists and implementation timeframes for DIY projects. It is always a good idea to consider prices from 2-3 sources, as pricing will vary.
    • Some contractors—particularly for landscaping projects—will not be able to give an accurate price estimate when the ground is covered in snow, so do not wait to contact firms. Winter can be an ideal time some types of landscaping projects, including tree trimming and removal.
    • Ask friends and neighbors for advice on finding a contractor. The City of Fridley cannot provide referrals.
  3. Develop a financing plan. Once you have an idea of project costs & when they will be incurred, it’s time to plan your financing. Will you put money into savings extra each month until the project begins? Will you set aside your tax refund? Will you apply for a grant or loan?

  4. Applications for Fridley’s Deferred Loan & Grant Programs are expected to be available in spring. (Low-interest loans are available year-round.) These programs can help fund most types of permanent property improvements. 

  5. Research permit requirements on the Permits webpage.
    • Many types of property improvements require a permit & city inspection, in order to ensure that work is completed safely. If a contractor is performing the work, they will typically be the one to apply for required permits. However, the property owner is ultimately responsible.
    • Building permits are valid for 180 days (six months) after approval, so wait until you are ready to begin work to submit an application.

Home Improvement Loans

  1. Low Interest
  2. Multi-Family Exterior
  3. Mobile Home 
  4. Emergency Deferred 
  5. Down Payment
  6. Senior Deferred

Low Interest Loan

  • 2 percent fixed rate*
  • Loan amounts from $1,000 - $50,000 - perfect for any size project
  • No income limits
  • Affordable payments with terms up to 20 years
  • Available for single-family homes

*Interest rates are subject to change following action by the HRA Board 

Learn more and apply online for the Low Interest Loan.

Rebates & Grants

  1. Insulation Rebate
  2. Water Rebate
  3. Front Door Grant
  4. Residential Paint Rebate

Insulation Rebate

Increased insulation may improve your home's efficiency and comfort. This program will match utility (CenterPoint Energy or Xcel Energy) insulation rebates up to $500 for projects completed after January 1, 2022. 

Program Guidelines and Eligibility:

  • Rebates available for attic air sealing, attic insulation, wall insulation, and rim joist installation projects that have received a utility insulation rebate.
  • All insulation work must have been completed after January 1, 2022.
  • All applicants must have had a Home Energy Squad visit occurring after January 1, 2019 to qualify. (Applicants may apply for the rebate if their Home Energy Squad visit has been scheduled, but has not yet been completed, at the time of application.) 
  • The program only matches utility rebates; installer or manufacturer rebates do not qualify.
  • Receipt of utility rebate is required. Applicants must submit their application, including a copy of their utility rebate check or an itemized invoice documenting receipt of an Instant Rebate, within 60 days.
  • The Fridley rebate check will be issued to the same person listed on the utility rebate.
  • Rebate is only available to properties of 1-4 units.
  • Funding is limited and subject to availability. Rebates will be approved based on order of receipt. 
  • Checks will be mailed to recipient 2-3 weeks after application submission.

More Information

Improvements to your home's building envelope (e.g., windows, doors, and insulation) may qualify for tax credits under the Inflation Reduction Act of 2022. (Credits will be available through 2032.) Learn more on the ENERGY STAR website.

Questions? Email Nancy.Abts@FridleyMN.gov or call 763-572-3593.

Anoka County Resources

Anoka County offers additional information for homeowners and renters, including home buying information, additional finance programs, fair housing, senior housing, foreclosure prevention and more. 

Federal Tax Credits

Improvements to your home's building envelope (e.g., windows, doors, and insulation) may qualify for tax credits under the Inflation Reduction Act of 2022. (Credits will be available through 2032.) Learn more on the ENERGY STAR website.