NW MN Multi-County HRA
205 Garfield Avenue
PO Box 128
Mentor, MN 56736
(218) 637-2431 | Phone
(218) 637-2433 | Fax

Contact US

The HRA is a public non profit entity.  All funds donated will be used in creating housing and community development opportunities and is 100% tax deductible!

Homeownership Opportunities

There are three ways the HRA can help you reach your goals of homeownership: The First Time Home Buyers Program, Community Revitalization Fund, and MURL.

First Time Homebuyers (FTH) Program

FTH participants must meet income and program guidelines. The HRA works with the counties of Kittson, Marshall, Norman, Pennington, Polk, Red Lake and Roseau.  Funding for the FTH program is made available annually by the Minnesota Housing Finance Agency.  

You may contact your local bank to see if they have information available. If you have additional questions contact Charity  at 218-309-0047.



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Community Revitalization Fund (Down Payment Assistance)

Low interest loans may be available through the CRF program in the counties of Kittson, Lake of the Woods, Marshall, Norman, Pennington, Polk, Red Lake and Roseau.  This program is for persons interested in building new or buying existing homes.  The intent is to assist local employers with another tool to attract and retain workers.  Training can be a costly item and if we can help put someone in a home, they are more likely to stay in that community and with their current employer.

Private and public investors pledge funds that are matched by the Minnesota Housing Finance Agency. Deferred loans and low interest loans are available to assist qualified applicants with gap financing (down payment assistance). Often the only thing that is holding a prospective homeowner back from buying a home is the lack of a down payment. This program has assisted over 1000 families in purchasing a home in our area over the past 18+ years.


NW MN Multi-County HRA administers the 8 county loan pool that is used as a revolving loan pool for future low interest loans. The loan pool is created from the low interest loan repayments by homeowners who have taken advantage of the CRF program.

Since 1997 over 5.5 million dollars in grant and investor funds have been received assisting families with their housing finance needs. Ninety-three million dollars have been leveraged from the deferred loans and investor dollars. The program has been a tremendous asset to the economic development of our northwest region. Downloadable applications can be found here. For more information, contact Heather at 218-309-0051 or e-mail at heather@nwmnhra.org

If you would like your loan payment to automatically be withdrawn from your checking or savings account, please fill out this form: Automatic Loan Payment.


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Community Housing Development Organization (CHDO)

Minnesota Urban and Rural Homesteading Program (MURL)

The HRA currently has 3  homes that have been sold under a Contract for Deed with no down payment and 25% of buyers monthly adjusted gross income. If homes revert back to the HRA they are advertised to attract eligible buyers.


  1. To provide homeownership to first time homebuyers that are “at risk”

  2. Assist in stabilizing declining neighborhoods



  • Acquisition is from the HRA on a Contract For Deed 0% down payment 0% interest, maximum of 30 years.

  • Payment includes only principal plus escrowed Taxes and Home Owners Insurance.

  • Payment is 25% of buyers monthly adjusted gross income.


First Time "At Risk" Homebuyer

A first time “at risk” homebuyer is an individual and/or his or her spouse who have not owned a home during the three year period before the purchase of a home under the program except that if one or more of the following apply:


  • Homeless

  • On public assistance

  • Unable to afford homeownership without this program

  • At risk homebuyer lacks the ability to meet mortgage industry underwriting standards for traditional mortgage financing.

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