The Beltrami County HRA contracts with the HRDC to provide services to meet their mission of providing quality and affordable housing options to low and moderate-income households. The staffing package includes meeting administration, organizational development, financial management, construction oversight, property management, and down payment assistance.

Affordable New Construction:

The Beltrami County HRA has re-instituted 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 Education

The Beltrami County HRA supports the Home Buyer Education provided in the County by the Headwaters Regional Development Commission. Home Buyer Education is provided through the Home Stretch Program.

Click here for additional information.

Conifer Campus

The Beltrami County HRA has partnered with Headwaters Housing Development Corporation to complete construction on three developments on Conifer Avenue in Bemidji.  Phase three work began in August 2021.  Further information can be found here.

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.

School Built Construction Program

BHRA has been working with the Blackduck School district to fund a high school construction class. The class builds one home a year at the school that gets moved upon sale in the summer. The BHRA supports this project as not all only does it provide an affordable home it also provides students with hands on work experience and promotes the trades as a practical and potential career choice. Contact Sarah Wilcox at if interested in purchasing a school built home out of Blackduck.


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

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 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 Workshop

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