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<br />. <br /> <br />ENVIRONMENT <br />& ENERGY <br />RESOURCE <br />CENTER <br /> <br />LOW INTEREST HOl\fE IMPROVEMENT & ENERGY LOANS <br />Environment and Energy Resource Center <br />427 St. Clair Ave St. Paul J\1fN 55102 <br />651-227-7847 <br /> <br />The above referenced loans are funded by the State of Minnesota (MHFA) that <br />is why the rate is lower than most Bank loans and if the loans remain under $5,000 <br />there are no closing costs. The loan programs are as follows: <br /> <br />t~... <br /> <br />HOME ENERGY LOAN: <br /> <br />8% APR <br />$1,000 -$8,000 loan amount <br />24 ~our approval (()ne hour approval on no-heat emergencies) <br />Unsecured (no second mortgage on the home) unless the loan is over $5,000 <br />Minimal documentation for approval <br />Eligible improvements: replacement furnace, new or replacement air conditione'r <br />and hot water heater, insulation, doors and windows. ,. <br />For an application or more information call Environment & Energy Resource <br />Center at 227-7847 ' <br /> <br />2%-8% APR depending on income and.dependents <br />$500-$25,000 loan amount . <br />Upper income restriction of $.S, ,000 a year (gross annual income for the household) <br />Loans $5,000 and over are secured by a mortgage on your residence (tax writeotT) <br />Virtually any home improvement is eligible under this loans <br />For an application or more information call Environment & Energy Ruource <br />Center at 227-7847 <br /> <br /> <br /> <br />ME J~IPROVEMENT LOAN: - 'riA. Op ~ . <br /> <br /> <br />We have been providing these low interest loans toMinnesotians for 15 yean and are <br />proud to say we have helped thousands of homeowners. We would like the opportunity to <br />help you also. <br /> <br />427 St. Clair Ave., Saint Paul, M;\/ 55102 . (612) 227-7847 . Fax (612) 227-0138 <br /> <br />{[:Ii recycled OlJoef <br />