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.