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enclll--r'F to sink family T owners. Loans of up to $25,000 are offered at <br /> interest rates from % to 8%, based on income, for up to 20 years. The loans are <br /> targeted to areas in Roseville where the homes are more than 30 years of age and less <br /> than $115,000 in value. The maximum annual household income is $62,790. Call your <br /> local Roseville hank for details. (Firstar, Norwest, North Star, Roseville Community, St. <br /> Anthony Park hanks) <br /> 1.3 Horne Energy conservation Loans. The City participates in the Ramsey <br /> County Community and Economic Development Department - Suburban Ramsey <br /> County Home Energy Loan Program. The purpose of the program is to reduce utility <br /> costs, improve health and safety conditions and thus improve housing affordability. The <br /> program provides lover interest loans for energy efficient home improvements such as <br /> energy audits, weatherization, insulation, windows, and furnace improvements. The <br /> maximum loan is $5,000 and is not secured. The length of the loan is 10 gears and the <br /> interest rate is five percent or less. Priority is given to low income households and them <br /> is a first come-first serve waiting list. Cali the Environment and Energy Resource <br /> Center for details (227-7847). <br /> 1.4 Home Improvement Loans. The City also participates in the Ramsey <br /> County Community and Economic Development Department - Suburban Home <br /> Improvement Deferred Loan Program. This program provides low income homeowners <br /> a loan of up to $15,000. The purpose of the program is to provide loans without interest <br /> or monthly payments for building fix-up projects such as roofing, furnaces} electrical and <br /> p � repair air and improvements for disabled persons. For residents remaining in <br /> R <br /> their homes for ten years or more after the loan is issued, the loam is totally forgiven. <br /> Priority Is given to low income households and there is a first come-first serve waiting <br /> Since 198 approximately o0 homes in Ramsey county have used this program <br /> list. <br /> The average loan has been $10,000. Call the Ramsey County Community and <br /> Economic Development Suburban dome Improvement Loan Coordinator for details <br /> (266-6626). <br /> 1.5 Roseville city-Bank Participation Home Improvement Loans. The <br /> City and local hanks ma y also provide home improvement loans up to 10,000 for <br /> residents with incomes between $21,000 and $49,000. The hank originates the loan for <br /> 2 <br />