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<br /> <br />Neighborhood Energy ConsortIum. <br />624 Selby Avenue' Saint Paul,MN 55104.. 651/221-4462 <br /> <br />LOW INTEREST HOME FIX UP FUND PROGRAM <br /> <br />NEIGHBORHOOD ENERGY CONSORTIUM <br />624 SELBY AVE <br />ST.PAlnL,MN 55104 <br />651-221-4462 <br /> <br />The below referenced loan is funded by the State ofMN (Minnesota Housing <br />Finance Agency). The subsidized rate is lower than most Banks Loans. Also, if the <br />loans amount is under $10,000.00 there are no closing costs and no mortgage to <br />secure to the home. <br />TillS LOAN IS FOR ALL MINNESOTA HOMEOWNERS. (as long as they <br />qualify). <br /> <br />The 2005 loan program guidelines are: <br /> <br />HOME FIX UP FUND <br /> <br />Virtually any home improvement is eligible <br />Below market fIxed interest rate (5.25%) <br />$1,000 to $35,000 loan amounts <br />Loan repayment terms vary from 1 to 20 years, depending on loan amount <br />Upper income restrictions of $88,000 gross household is strictly enforced <br />Loans over $10,000 are secured by a mortgage on the residence <br /> <br />FOR MORE INFORMATION OR TO REQUEST AN APPLICATION CALL <br />THE NEC (LEANNE KARRAS) AT 651-221-4462 EXT 132 <br />