Thank you for your interest in purchasing a home in the City of Saint Paul! We apologize for the inconvenience that we at the City are temporarily unable to accept applications for our mortgage loan programs at this time.  However, please contact the Minnesota Housing Finance Agency (MHFA) or a CityLiving mortgage and Take Credit!! participating lender lists for further assistance to help you purchase the home of your dreams:

Minnesota Finance Agency
CityLiving TakeCredit!! Mortgage Credit Certificate  Program

CityLiving Mortgage Program Lenders

More details on some programs available to homebuyers in Saint Paul can be found below.

Home purchase mortgage programs are available to provide assistance for potential first-time and other homebuyers purchasing homes in Saint Paul. Mortgage programs have been jointly provided over the years with Minneapolis Community Planning and Economic Development (CPED) and are jointly marketed as the CityLiving Mortgage Program. Mortgage loans are funded through the use of federal and state authority to issue Mortgage Revenue Bonds. Mortgage loans are originated by private lenders participating in the program. More information CityLiving

City of Saint Paul Map
Target Area Census Tract Map

The Take Credit!! Mortgage Certificate Program is a 20% federal imcome tax credit that can be used toward the amount of taxes you owe at the end of each year you live in your home. Click here for more information.

The PED administers a variety of home improvement and energy efficiency loan programs on a citywide basis. Deferred payment 0% interest due-on-sale loans provide rehab adviser services for very low-income homeowners. Eligible improvements include basic and necessary improvements such as accessibility improvements, correction of lead-based paint hazards, heating systems, windows, electrical and roofing. Also available are lower interest rate Home Improvement loans which allow you to do more general improvements such as room additions and building a new garage. 

This program is administered by the Home Loan Fund Housing Counselors, who are certified HUD-approved MMFPA Foreclosure Specialists. For Saint Paul homeowners facing foreclosure, the Housing Counselors will: provide education about the foreclosure process and legal timelines; provide financial and budget counseling services under contract with a certified Budget Counselor; work with the homeowner's lender and evaluate possible foreclosure solutions; make referrals to community resources; and provide one-time loans to cure default (available on a case by case basis). Mortgage Foreclosure Prevention Program

Homebuyer education and counseling, known as the Home Stretch Program, is coordinated by the Minnesota Home Ownership Center and delivered by local, non-profit, community based organizations throughout Minnesota. Home Stretch is a proactive approach to educating people about the home buying process so they can avoid common mistakes and predatory lending. Home Stretch 8 hour workshops covers topics on: credit and budgeting; qualifying for a loan; special loan programs; shopping for a new home; home inspections; maintaining your home; and successful home ownership. Often lenders, including CityLiving Mortgage Program, require those seeking mortgages as a first time homebuyer to attend Home Stretch. To learn more about Home Stretch, including locations and times, please visit the Minnesota Home Ownership Center