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.

Plan now for your 2023 Home Improvement Projects

Believe it or not, now is a great time to plan ahead for your 2023 Home Improvement Projects. Applications for the Senior Deferred Loan program and Front Door Grants are expected to be available in January. To make sure you’re ready when applications open, get started today! 

You can:

  1. Prepare a list of possible projects. If you need help prioritizing, schedule a discounted visit with the Home Energy Squad or free home visit from Fridley’s Remodeling Advisor service. (Scroll down for more information on these services.) 
  2. Contract professional contractors to bid the work or, if you’re planning to DIY, prepare your materials and implementation timeline. It’s important to note that some contractors, particularly for landscaping projects, are not able to give an accurate price estimate when the ground is covered in snow. You can ask friends and neighbors for advice on finding a contractor. If your neighbors are considering a similar project, your contractor may even offer a discount for multiple projects in the same area.
  3. Develop a financing plan once you have an idea of project costs. Applications for Fridley’s Senior Deferred Loan program and Front Door Grants are expected to be available in January. Fridley’s low interest 2% loans are available year-round. (Scroll down for more information on these programs.)
  4. Research permit requirements. Many types of property improvements require a permit & city inspection, in order to ensure that work is completed safely. Permits typically have a limited timeframe for work to be completed, so wait until it’s soon time to begin work to submit an application. 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.

And there you have it—with a little advance planning, you’ll be ready to hit the ground running in spring.

For more information, contact email HRA staff or call 763-572-3593.

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 612-244-2470 to schedule an appointment.

Home Energy Squad Enhanced Visits

Save Money and Energy in Your Home! A $50 investment in your home could save you hundreds!

What to expect:

  • Installation of energy saving materials such as: door weather-stripping, a programmable thermostat, LED light bulbs, a water heater blanket, and high efficiency water fixtures.
  • Perform a blower door test to measure your home for air leaks.
  • Complete an insulation inspection.
  • Perform safety checks on your heating system and water heater.
  • Recommend cost-effective energy upgrades.
  • Leave you with a report that serves as a road map for next steps you can take to make your home more energy efficient.

This home visit also qualifies you for utility rebates, as well as access to specialized energy financing. Click here to schedule an appointment online or call 612-228-6220.

This program is provided by CenterPoint Energy and Xcel Energy in partnership with Center for Energy and Environment (CEE), a local non-profit, and supported by the Fridley HRA.

Home Improvement Loans

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

Low Interest Loan

  • 2% 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

Learn more and apply online for the Low Interest Loan.

Rebates & Grants

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

Residential Paint Rebate Program

Applications for 2022 funding are available on a rolling basis (no application deadline).

DO NOT purchase supplies or begin your painting project before receiving a signed Participation Agreement from HRA Staff.

This program was developed to eliminate blight, preserve and improve the appearance of neighborhoods by providing rebates of up to $500 for cost of materials and supplies for exterior painting of eligible homes, by low- and moderate-income families. Maximum rebate of $500 for single family homes, and up to $350 per unit (not to exceed $1,400) for rental properties.


Eligible Applicants:

  • Homeowners: Owner occupant, holding title to the property. Household Income may not exceed 110% of Area Median Income (AMI)
  • Owners of Rental Property: Up to 4 unit-buildings, owner must live in building. Household income may not exceed 110% AMI

Apply for the Residential Paint Rebate Program 

DO NOT purchase supplies or begin your painting project before receiving a signed Participation Agreement from HRA Staff.

Projects should be completed within 4 months of application.
View max income limits for 2022  (PDF)

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.