Anoka County Mortgage Programs



ACCAP Rental Housing

Anoka County DHS 2100 3 rd Ave. Anoka, MN (763) 422-7200. An Anoka County first time home buyer knows that they’re moving into a place where suburban. First Time Home Buyer Programs on. 2 thoughts on “ Anoka County First Time Home Buyer, MN Down Payment Assistance ”. Anoka County DHS 2100 3 rd Ave. Anoka, MN (763) 422-7200. Compiled from Minnesota MLS listings and regional databases of Anoka County, MN homes for rent: 79 total rental listings, 25 apartments for rent, and 3 condos for rent in Anoka County, Minnesota. ANOKA COUNTY COMMUNITY ACTION PROGRAM, INC. Reverse Mortgage. Family Assets for Independence in MN (FAIM) is an Individual Development Account (IDA) program for low-income wage earners to gain assets through matched savings. You save earned income, which is matched $3 to your $1 of savings for 1 to 2 years toward a goal of home ownership, continued education or small business. Anoka County Down Payment Assistance Program (no longer available) Anoka Home Down Payment Assistance Program is designed to help first time homebuyers purchase homes more affordably by providing deferred loans that can be used for down payment assistance. Eligible buyers may qualify for up to $10,000 grant.

ACCAP Rental Housing offers individuals and families affordable housing options in Anoka County. Individuals and families are not able to achieve their goals in life if they don’t have a place to call home, live in unhealthy or unsafe environments, are continually at risk of losing their housing due to the high costs, or have to sacrifice other necessities in order to pay for housing. ACCAP’s Rental Housing helps to remove these barriers creating stable housing for families.

Our mission is to create equal housing opportunities for all persons living in America by administering programs that prohibit discrimination in housing on the basis of race, color, religion, sex, national origin, age, disability, and familial status.

Title VIII of the Civil Rights Act of 1968, commonly known as the Fair Housing Act, prohibits discrimination in the sale, rental, and financing of dwellings based on race, color, religion, sex, or national origin. The 1988 Fair Housing Amendments Act expanded coverage to prohibit discrimination based on disability or familial status (presence of child under age of 18 and pregnant women) and established new enforcement mechanisms for HUD and the Department of Justice.

Multifamily Housing Program Frequently Asked Questions:

County

Q. Are rents based on my income?

A. No. We offer affordable rents, but they are based on bedrooms per unit, not tenant income. We do accept Section 8 Housing Vouchers.

Q. Does ACCAP have housing based on income?

A. No. We do not offer subsidized housing, we offer affordable housing.

Q. Is there an application fee?

A. No. We do not charge an application fee.

Anoka County Mortgage Programs Application

ACCAP Housing is Smoke-Free, including inside individual rental units (inside apartments, townhomes and single family homes).

Links

Housing Link Affordable rental housing information, including listing of affordable housing

HUD (U.S. Department of Housing and Urban Development) English-language website

HUD (U.S. Department of Housing and Urban Development) Spanish-language website

In the midst of the COVID pandemic, many households are looking for help covering their basic needs. While the Family Housing Fund does not provide direct assistance to individuals, we have compiled a list of resources that can help during this challenging times. Please reach out to them directly, as Family Housing Fund is not able to take phone calls about these programs. We will continue to update this resource page to provide the most up-to-date and useful information.

Housing Assistance for Renters and Homeowners

The State of Minnesota provided housing assistance to help Minnesotans pay rent or make mortgage payments through the COVID-19 Housing Assistance Program (CHAP). Applications for CHAP are now closed. Information on additional financial assistance can be found further down on this page.

Unemployment Insurance

If your work hours have been reduced or eliminated, apply for unemployment insurance from the State of Minnesota. Apply online in English, Spanish, Somali, or Hmong: www.uimn.org

You should sign up immediately if any of the situations listed on that page apply to you. They are asking that you sign up online, as phone lines are reserved for people who don’t have internet access or who don’t speak English or languages that have translations available on the state website. If this applies to you and you live in the Twin Cities area, call 651-296-3644. English, Spanish, Hmong, Somali languages are available. If you need another language, press 1 and follow the prompts to speak to a representative and request an interpreter.

Impacted workers can apply immediately – the usual waiting period has been waived. If you are sick, quarantined, or home because of an outbreak at your work, you qualify for unemployment regardless if you have actually contracted a communicable disease.

If you stay home due to lack of child care, you qualify for unemployment, but there are some limitations. An applicant must make a reasonable effort to obtain other child care, as well as request time off “or other accommodation” from their employer. If that doesn’t help, then unemployment is an option.

Financial Assistance

If you need help paying for rent, food, or childcare, apply online for emergency and cash assistance, food benefits (SNAP), and childcare assistance: https://applymn.dhs.mn.gov/

You can also call the county where you live. Phone lines and language accessibility vary across counties.

  • Hennepin County: 612-596-1300
  • Ramsey County: 651-266-4884
  • Dakota County: 651-554-5611
  • Anoka County: 763-422-7200 (More information on Anoka County EA)
  • Washington County: 651-430-6459
  • Scott County: 952-496-8686
  • Carver County: 952-361-1600

The City of Minneapolis will provide housing assistance for low-income families to help with rent and utilities. Applications closed for this program on April 27, and applicants will learn more in the first week of May. More information: minneapolismn.gov/coronavirus/gap-funding

The City of Saint Paul will provide grants to low-income families impacted by the pandemic. Applications closed on April 19. Pagemaker 7 windows 10 download. More information:stpaul.gov/bridge-fund

Eviction Prevention

Programs

Governor Walz has ordered a halt to most evictions in Minnesota, so if you miss a rent payment you should not be evicted during this time.

The Centers for Disease Control and Prevention (CDC) ordered a national ban on evictions for the rest of the year. To qualify for this protection, you must prove that you have lost income, cannot pay rent, and have tried to pay partial rent. You also must show that an eviction is likely to lead to homelessness or doubling up/living in close quarters with others.

If you are having difficulty paying rent, be sure to apply for Minnesota’s CHAP program, unemployment insurance from the State, and other financial assistance from your county, as described above. Contact your landlord to let them know you are having difficulty and see if you can work out a payment plan. If you believe you are about to be evicted despite the governmental protections, contact HOME Line: 612-728-5767. (More information on legal help is below).

If you are a landlord wondering if your properties are subject to the federal CARES Act moratorium, you may use this tool to find out who owns your mortgage.

Food

  • Find food shelves and free meals near you: http://www.hungersolutions.org/find-help/
  • Minneapolis Public Schools is providing students with meals while schools are closed. Locations and information: https://cws.mpls.k12.mn.us/covid19
  • St. Paul Public Schools is providing students with meals while schools are closed. Locations and information:https://www.spps.org/ns
  • Apply for long-term food benefits (SNAP): https://applymn.dhs.mn.gov/

Utilities

Xcel Energy announced it will indefinitely suspend service disconnections and waive late fees when associated with COVID-19 challenges. Call 1-800-895-4999 for more information. CenterPoint Energy is doing the same for gas. Call 1-800-245-2377. USI Wireless is providing free internet access throughout the City of Minneapolis. Comcast has also expanded access to internet, waiving late fees, and providing free hot spots.

Minneapolis and Saint Paul are halting water shut-offs. Your city tap water should be uncontaminated and safe to drink from the tap.

Anoka County Mortgage Programs Payment

Legal Help

For legal help, call HOME Line’s tenant hotline: 612-728-5767

HOME Line’s services are available in English, Spanish, Somali, and Hmong.

For more information on the executive order to halt evictions, general advice on what to do if you cannot pay rent, and a sample letter to your landlord, visit HOME Line’s website.

Law Help MN has compiled FAQs and other legal resources related to COVID-19 here.

Mediation

Mediation can help renters and landlords come to an agreement that benefits all parties without the need for legal or court action. Reach out to mediators in your county:

  • Dispute Resolution Center (Ramsey and Dakota Counties): 651-292-7791
  • Conflict Resolution Center (Hennepin County): 612-822-9883
  • Community Mediation and Restorative Services (Hennepin County): 763-561-0033
  • Mediation Services for Anoka County: 763-422-8878

Help for Homeowners

Michigan Mortgage Programs

If you are a homeowner worried about your ability to pay your mortgage, reach out to your loan serviceras soon as possible, ask for the loss mitigation department, and discuss your options. You can find the number to call on your mortgage bill.

Several federal agencies, including the Department of Housing and Urban Development and the Federal Housing Finance Agency, which regulates mortgage owners Fannie Mae and Freddie Mac, have announced a temporary moratorium on foreclosures during the crisis to help people stay in their homes.

Anoka County Mortgage Programs

A network of nonprofit Homeownership Advisors offers nonbiased advice to homeowners in Minnesota to help them keep their homes.Find a Homeownership Advisoroffering services in your area.

More Health and Human Services

Anoka County Mortgage Programs

No matter where you live in Minnesota, call the United Way at 2-1-1 or visit www.211unitedway.org/

Anoka County Mortgage Programs Available

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