Home Rehabilitation Resources


Are you thinking about fixing up or remodeling your home? Or do you need help making necessary repairs to keep your house safe and comfortable? There are many helpful housing resources available to Oakdale homeowners. Some programs are managed by the City, while others are available through partner organizations.

If you are planning to hire a contractor to work on your home, first read through the Home Building and Remodeling Handbook produced by the Minnesota Attorney General’s office. The handbook will help you to be an informed consumer. The handbook provides guidelines for selecting a contractor and writing a home improvement contract, and highlights Minnesota’s mechanic’s lien law. Access the Home Building and Remodeling Handbook (PDF).

Remember to Get a Building Permit!

If you are considering a home improvement project, your first step should be contacting the Building Inspections Department by calling 651-739-5150, visiting Oakdale Building Inspection website or reading When is a Building Permit Required (PDF).

City Loan Programs

Oakdale Community Fix Up Fund Loan

Offers home improvement loans for households meeting income guidelines. The City of Oakdale partners with Lake Elmo Bank and MN Housing to offer 2% fixed interest loans to qualifying Oakdale homeowners. To learn more, please call Jenni Blank with Lake Elmo Bank at 651-748-2288 or visit Lake Elmo Bank's website and click on the "Community Fix Up" tab for more information.

Emergency Home Repair Loan

Offers affordable loans for households meeting income guidelines. Loans must be used to make emergency home repairs. Contact Email Linnea Graffunder-Bartels with questions. Access the Emergency Home Repair Loan Application (PDF).

Housing Improvement Area (HIA) Loan

Offers affordable loans to Homeowners Associations and Common Interest Communities in order to finance capital improvements for common areas. Loans are repaid as an assessment on each owner’s property tax statement. View examples of past HIA projects (PDF) or email Linnea Graffunder-Bartels to learn more or begin the application process.

Outside Agency Loan Programs

MN Housing Emergency Loan Program offers forgivable loans for very low-income homeowners to finance repairs that address emergency conditions that are an immediate threat to health or safety. Essential accessibility improvements for a disabled resident are also eligible. Call 651-202-2823.

Washington County Home Improvement Deferred Loan offers deferred loans at 0% interest for income -qualified households.

Washington County Sewer Treatment Cost Share Fix Up Fund offers affordable loans or grants to income-qualifying households to repair or replace failing subsurface sewage treatment systems.

CEE Home Improvement & Energy Loans offers low interest home improvement and home energy loans, including solar financing.

Home Maintenance Help

Habitat for Humanity- A Brush with Kindness helps low-income homeowners address home maintenance, unsafe living conditions, city code violations or insurance policy repair requirements.

Rebuilding Together Twin Cities helps low-income homeowners who are seniors, people with permanent physical disabilities, veterans, or families with children, take care of deferred maintenance, unsafe living conditions or accessibility improvements.

Hearts & Hammers helps low-income homeowners who are seniors, have permanent physical disabilities, or are veterans or the surviving spouse of a veteran, to take care of exterior home maintenance needs.

V.A. Specially Adapted Housing & Special Housing Adaptations Grant offers grants to disabled veterans to make accessibility improvements to existing homes or new construction of specially adapted housing.

Split Visions Remodeling Planbook offers ideas for remodeling, improving, and updating split-level homes.