Hubbard County HRA Services

Hubbard County HRA In-House Rehabilitation Loan Program

The Hubbard County HRA has created an In-House Rehabilitation Loan Program to assist low to moderate income households make necessary repairs to their homes to keep their home safe, healthy, and affordable.

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Hubbard County HRA

To be eligible you must:

  • Own and occupy the home to be rehabilitated
  • Meet the income limits (household income limit may be waived if the loan proceeds will be used exclusively for accessibility improvements)
  • Various property types are eligible including single family homes, an individual unit in a Planned Unit Development (PUD), a townhome, a unit of a condominium, a manufactured home permanently affixed to a foundation and taxed as real property, and a duplex, triplex or fourplex.

Program Features:

  • Higher loan-to-value ratio than traditional lending loan products
  • Maximum loan amount is $15,000
  • 3% fixed interest rate for the life of the loan
  • Monthly payment amount will be based on household’s ability to pay, with a maximum debt-to-income ratio of 45%.
  • Maximum repayment term will be 20 years

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

Down Payment Assistance

Hubbard County HRA administers a down payment assistance program designed to promote home ownership. Through this program, the HRA offers loans up to $7500 that are deferred with no interest for five years. Repayment of the principal begins after 5 years at 4% interest.


The Hubbard County HRA owns and operates the Cornerstone Transitional Housing Program. In 1995 the HRA received deferred loan funds through the Minnesota Housing Finance Agency in order to build the eight-unit affordable housing development. Households pay 30% of their monthly income for rent, and receive case management services through Mahube-Otwa Community Council, Inc.

For additional information on the Cornerstone program contact Carolyn Pfeifer at (218) 732-9118.

For a Cornerstone application, please contact Mahube-Otwa Community Council, Inc. at (218) 732-7204.

Home Buyer Services

Hubbard County HRA supports the home ownership education program provided by Headwaters Regional Development Commission through the HomeStretch program. HomeStretch provides information that helps households make informed decisions on when and if home ownership is the right decision, helping to ensure success for those who choose to take that step.


The HRA administers several contracts for deed for single family houses purchased and rehabilitated through the Minnesota Housing Finance Agency's homesteading program. Through this now-defunct program, rehabilitation homes were sold to lower income families who were unable to purchase a house without substantial assistance. MURL homes were sold to families with 0% interest loan.

 Board of Directors

  • Daryl Bessler - Chair
  • Kathy Henry - Board Member
  • Craig Mackey - Board Member
  • Kathy Grell - Board Member
  • Rosy Hjermstad - Board Member
  • Charlene Christenson - ex-officio