Beltrami HRA Services

Down Payment Assistance:

Beltrami County HRA administers a down payment assistance program designed to promote home ownership. Through this program, the HRA offers loans that are deferred with no interest for five years. Repayment of the principal begins after 5 years at 4% interest.

Households must meet the income limit:

Household Size Annual Income Limit
1-4 $73,450
5 $79,300
6 $85,200
7 $91,050
8 $96,950
HRA down payment assistance
  • Households may not have more than $7,500 in liquid assets post-closing
  • Preference is given to purchases of 10 acres or less
  • Home must appraise for at least $60,000
  • Borrowers must take Homestretch or Framework

Please download the application below if you intend to purchase a home in Beltrami County

Affordable New Construction:

Beltrami HRA has reinstituted the affordable new construction program to construct modest homes available for sale, to low and moderate income households in Beltrami County. The homes are currently being constructed by private contractors in the City of Bemidji. Click Here to see a listing of the homes that are currently available for purchase.

Housing Rehabilitation:

For more information about housing rehabilitation assistance, click here or contact Levi Haar at (218) 333-6530.

Home Buyer & Financial Services:

Beltrami County HRA supports the Home Buyer Education, Coaching, and Financial Literacy services provided in the County by the Headwaters Regional Development Commission. Home Buyer Education is provided through the HomeStretch Program.

Conifer Estates:

Conifer Estates is a twenty unit supportive and transitional housing project in Bemidji. Financing for the project was provided by Minnesota Housing Finance Agency (MHFA), Greater Minnesota Housing Fund (GMHF), and Federal Home Loan Bank through First National Bank of Bemidji. The HRA is the owner of the facility and has executed a Facility Lease and Management Agreement with Headwaters Housing Development Corporation in which the organizations have agreed that the facility will be operated exclusively by HHDC under the terms of the agreements with MHFA. HHDC has contracted with DW Jones, Inc. to provide property management services and case management services are provided by Bi-CAP, Inc., Red Lake Housing and Leech Lake Housing. For rental information contact DW Jones or Bi-CAP, Inc.

Village of Hope:

The Village of Hope  is an emergency facility developed by Ours to Serve House of Hospitality. The Village of Hope provides shelter to low income homeless families in and around Beltrami County.

Board of Directors

  • Orlando Alamono, Chairman
  • Travis Barnes, Vice Chair
  • Max Cloose, Secretary
  • Vacant, Treasurer
  • Jacky Richter, Board Member

To learn more about the services of Beltrami County HRA, please contact


Sarah Willcox

Development Specialist