Housing Rehabilitation Loan Program Policy and Procedures Handbook - 4-30-15

Sep 19, 2026

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Housing Rehabilitation Loan Program Policy and Procedures Handbook for Dakota County, Minnesota sets policies and uniform procedures for administering the Rehab Program administered by the Dakota County CDA. It establishes objectives to help low- and moderate-income households maintain home safety and integrity, remove architectural barriers for independent living, and reduce lead-based paint hazards. The handbook defines eligibility, funding availability, loan limits and conditions, eligible work items, processing procedures, homeowner responsibilities, emergencies, appeals, action statements, licensing standards, modifications, and walk-away policy, plus related appendices and standards for lead-based paint and rehabilitation under CDBG and HOME funding.

LanguageEnglish

CategoryGeneral

FormatPDF

Pages37

Reading Time13 min

AccessFree to download

Purpose

Delegation of Authority

Definitions

Funding Availability

Forms of Assistance

Property Eligibility

Applicant Eligibility

Loan Limits and Conditions

Eligible Work Items and Conditions

Procedures for Processing Rehab Loans

Homeowner's Responsibility

Emergencies

Appeals

Statement of Affirmative Action

Residential Mortgage Originator Licensing/Standards of Conduct

Modifications

Walk-Away Policy

Appendices

Subordination/Amendment/Satisfaction Policy

Delinquency, Default, and Foreclosure Policy

POLICY AND PROCEDURES HANDBOOK FOR THE HOUSING REHABILITATION LOAN PROGRAM DAKOTA COUNTY, MINNESOTA Administered by the Dakota County CDA Adopted: May 13, 1986 Last Amendment: April 30, 2015 January 4, 2012 June 14, 2011 (board approval) August 10, 2010 (board approval) TABLE OF CONTENTS Chapters Page I. Purpose .................................................................................................... 2 II. Delegation of Authority .......................................................................... 2 III. Definitions ............................................................................................... 3 IV. Funding Availability ............................................................................... 6 V. Forms of Assistance ................................................................................ 6 VI. Property Eligibility .................................................................................. 7 VII. Applicant Eligibility ............................................................................... 8 VIII. Loan Limits and Conditions ................................................................. 12 IX. Eligible Work Items and Conditions .................................................... 14 X. Procedures for Processing Rehab Loans .............................................. 16 XI. Homeowner's Responsibility ................................................................ 18 XII. Emergencies .......................................................................................... 18 XIII. Appeals .................................................................................................. 18 XIV. Statement of Affirmative Action .......................................................... 18 XV. Residential Mortgage Originator Licensing/Standards .................... 18 of Conduct XVI. Modifications ..................................................................................... 19 XVII. Walk-Away Policy ................................................................................ 19 Appendices I. Subordination/Amendment/Satisfaction Policy ................................... 20 II. Delinquency, Default, and Foreclosure Policy .................................... 22 III. Approved Program Documents ............................................................ 25 IV. Policy and Procedures for Lead-based Paint Hazard Reduction ......... 26 in the Dakota County Housing Rehabilitation Loan Program V. Property Rehabilitation Standards (CDBG) ......................................... 28 VI. Property Rehabilitation Standards (HOME) ........................................ 36 I. Purpose The purpose of this Housing Rehabilitation Loan Program (the “Rehab Program”) is to provide to low and moderate income households the means to maintain the safety and integrity of existing homes, to remove architectural barriers in homes to allow independent living for the handicapped, and to reduce lead-based paint hazards. A. The purpose of this Policy and Procedures Handbook (the “Handbook”) is to set forth the policies and uniform procedures regarding the implementation of the Dakota County Rehab Program using Community Development Block Grant (“CDBG”) and HOME Investment Partnerships (“HOME”) funding of the Federal Department of Housing and Urban Development (HUD), Dakota County HOPE Program (“HOPE”) funding and CDA General Fund (“GFUND”) sources. B. All areas within municipalities and townships that have entered into a Cooperation Agreement with Dakota County for participation in the CDBG and HOME Programs in Dakota County are eligible for rehabilitation funds. HOPE and GFUND sources are available for homes within all municipalities and townships. However, more restrictive target areas may be designated for specific projects during different funding years. C. Copies of this Handbook shall be avai

FAQs

What is the purpose of the Housing Rehabilitation Loan Program in Dakota County?

The program provides low- and moderate-income households with means to maintain home safety and integrity, remove architectural barriers for independent living, and reduce lead-based paint hazards.

Who administers the CDBG, HOPE, and HOME programs under this handbook?

Dakota County contracts with the Dakota County Community Development Agency (CDA) for administration of the CDBG, HOPE, and HOME programs.

What kinds of improvements are included as accessibility improvements?

Accessibility improvements include structural, exterior, bathroom, kitchen, and other improvements to one-, two-, or three-unit dwellings necessary to enable a handicapped person to function independently in a residential setting.

Sep 19, 2026

Upload by Rhys