The Headwaters Housing Development Corporation (HHDC), incorporated on April 20, 1998, is a subsidiary corporation of Headwaters Regional Development Commission (HRDC). The HHDC is a non – profit housing development corporation with 501(c)3 status, that was created specifically to deal with an inadequate supply of affordable housing throughout the Region.

Affordable New Construction

The HHDC has an affordable new construction program to construct modest homes available for sale to low and moderate income households in the Region. The homes are currently being constructed by a variety of sources including private contractors.

Cities can leverage building in their communities by minimizing costs as any fee that gets added to a project ends up being paid by the back end buyer. Ways to keep costs low may be to waive or reduce when possible building permit fees, hook up fees, donate land, or forgive special assessments as incentives. Currently, the HHDC has funding to build two new homes in Park Rapids and is also working on a regional housing application to allow potential construction in several areas throughout the region.

Conifer Campus

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

Home Buyer Education

HHDC supports the Home Buyer Education provided by the Headwaters Regional Development Commission. Home Buyer Education is provided through the Home Stretch Program.

Click here for additional information.

School Built Construction Program

In 1999, the HHDC began operations by taking over the school built construction program from Beltrami County HRA. They currently build one to two homes per year with the Bemidji High School in the City of Bemidji.

Contractor Information

If you are interested in being on our contractor list for our owner-occupied rehabilitation program, please complete the contractor form below or download the pdf. We provide homeowners with our list of contractors as a reference; however, homeowners oversee selecting their own contractors. Having your name on our list will provide increased exposure to customers.

Contractor Form

Board of Directors

  • John Nelson, President (Clearwater County)
  • Jay Pike, Vice President (Hubbard County)
  • Rick Rone, Secretary/Treasurer (LOW County)
  • Larry Olson, Board Member (Mahnomen County)
  • Vacant (Beltrami County)



To learn more about the services of the HHDC or to have them partner with your community, please contact:


Sarah Wilcox

Development Specialist


From their vision, a mission statement was developed which is:

To ensure quality affordable housing options for low- and moderate-income households throughout the entire Headwaters Region, either independently or through strategic partnerships.

CLICK HERE To learn more about loans available to the counties we serve

The HHDC is governed by a five-member board appointed from each of the five counties in the Region by the Headwaters Regional Development Commission.

The HHDC contracts with the Headwaters Regional Development Commission for staff support. Staff manages all HHDC activities including organization management, program development, implementation, and creation of new initiatives. The staff team is led by Sarah Wilcox, Development Specialist.