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Urban Indian Housing Program

You Can Own a Home
The Urban Indian Housing Program (UIHP) provides homeownership opportunities by offering low, fixed interest rate mortgages to low to moderate income American Indian families purchasing their first homes in the following urban areas of Minnesota:  11-County Metro Area (which includes: Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Sherburne, Washington and Wright counties), Duluth and Bemidji.  Recipients of a UIHP mortgage must complete first-time homebuyer education.

See If You Are Eligible
To be eligible for the Urban Indian Housing Program, your Minnesota Housing Eligibility Income must not exceed:

 Size of Household 11-County Metro Area Bemidji and Duluth
 1-4 Persons $67,200 $58,400
 5 Person $72,600 $63,100
 6 Person $78,000 $67,800
 7 Person $83,400 $72,500
 8 Person $88,800 $77,100
 9 Person $94,100 $81,800
 10 Person $99,500 $86,500

The home you purchase must fall within the following cost limits:

 Area New and Existing Residences
 11-County Metro Area $298,125
 Duluth $237,031
 Bemidji $237,031

Downpayment and Closing Cost Assistance

Minnesota Housing provides the opportunity for eligible homebuyers who qualify for a Minnesota Housing loan to receive an interest-free, deferred loan to help with downpayment and closing costs through the Homeownership Assistance Fund (HAF). First time homebuyers interested in using HAF should contact a Minnesota Housing participating lender prior to signing a purchase agreement. Participating lenders can determine the level of HAF eligibility to maximize your purchasing power.

Urban Indian Homeownership Program Lending Partners

Lending Partner Contact Name Phone Number Area
Bell Mortgage Andriy Karkos 952-277-3065 11-County Metro
Bremer Bank  Karen DuCharme 763-569-2617 11-County Metro
First National Bank of Bemidji Joan Nelson 218-333-4325
 		 Bemidji Area
Midwest MN Community Development Corp Kathy Misson 218-847-3191 Bemidji Area
North Shore Bank of Commerce Joe Johnson 218-733-5541 Duluth Area
Wells Fargo Eliot Searls 612-316-3546 11-County Metro

Contact
For more Urban Indian Housing Program information call the Minnesota Housing Consumer Information Line at 651-296-8215 or 1-800-710-887.