HRSR INFORMATION 04-17-1996 NEWS ALERT! !
Minnesota Homes Division
MINNESOTA HOUSING FINANCE AGENCY
MCPP - April 16, 1996
$17 MILLION AVAILABLE FACT SHEET
The first portion of 1996 funds will be Enclosed is a Program Information insert
available for reservations on April 18, 1996 and a Fact Sheet highlighting MCPP
at 6.95% (APR 7.708%). Cities have policies and procedures. Check to make
exclusive use of their allotments for the first sure the program information shown for
SIX months of the program (until October your city is complete and accurate.
17, 1996). After that date, unused funds Corrections ? Call:
will be placed in a statewide pool until the
program ends on December 17, 1996. Michelle Ramos
297-5146 (Metro)
Individual press releases for each
1-800-710-8871 (Greater Minnesota)
participating city will be distributed to local SHARED MARKETING
media by April 19, 1996. PROGRAM
FUNDS USAGE
MHFA will match dollar for dollar marketing
expenses paid by a participation city, up to
We will also provide periodic Funds Usage $300. There is $10,000 available for
Reports showing both loans in process, matched expenses on a first come, first
loans closed and loans purchased. served basis.
REMINDER: cities that do not use at least
half of their individual allotments by Eligible reimbursements include:
December 17, 1996, will be ineligible to
• newspaper ads
apply for additional MCPP funding for two
years. • television radio announcements
• city developed flyers
Also, you can check the overall MCPP • brochures or posters
funds balance 24 hours a day by calling:
• payments stuffers
612-297-4620 (Metro) • public service/cable access
1-800-657-3896 (Greater MN) broadcast expenses
• other marketing efforts with prior
(Individual city funds are not available by approval from MHFA
phone.)
•
400 Sibley Street,Suite 300,St. Paul,Minnesota 55101
(612)296-7613 Fax—(612)296-8292
Telecommunications Device for the Deaf(TDD) (612)297-2361
Equal Opportunity Housing and Equal Opportunity Employment
To be reimbursed for marketing expenses •
under this program, cities must fax or mail
a formal request, a copy of the bill
specifying the total cost of the marketing
effort, and a copy of the marketing material
developed.
ONLY CITES ARE ELIGIBLE TO
ACCESS SHARED MARKETING
FUNDS. (LENDERS ARE
INELIGIBLE). MHFA WILL ONLY
REIMBURSE CITIES FOR
MARKETING EFFORTS PLACED
AFTER THE MCPP START DATE OF
APRIL 18, 1996.
Questions? Call:
Kathy Kaiser
297-3128 (Metro)
1-800-710-8871 (Greater Minnesota)
•
1111
MINNESOTA HOUSING FINANCE AGENCY
• 1996 MINNESOTA CITY PARTICIPATION PROGRAM (MCPP)
FACT SHEET
The 1996 interest rate will be 6.95% (7.708% Annual Percentage Rate), funding
$34,483,209 among 61 cities throughout Minnesota. Individual city allotments range
from $100,000 to $4,423,606.
Discount points charged to the home seller will be 11/2 points, for both existing and
new construction (2 and 2 1/2 under the MMP).
Program term runs from April 18, 1996 to December 17, 1996. Cities have exclusive
use of their allotment for the first 6 months (until October 17, 1996) with unused funds
placed in a combined statewide pool for the final 2 months of the program.
Maximum adjusted income limits are $43,650 in the 11-county Twin Cities
metropolitan area; $43,840 for Olmsted County; and $37,200 for the balance of the
state. (These are federal maximums - cities may set lower limits if desired. See the
MCPP insert for individual city limits.)
Maximum home purchase price ("acquisition cost") limits are as follows: 11-
county Twin Cities metropolitan area and St. Louis County: $95,000 (existing) /
$95,000 (new construction); Clay County: $91,168 (e) / $95,000 (n); Benton and
Stearns counties: $78,545 (e) / $95,000 (n); Houston County: $73,100 (e) / $95,000
(n); Balance of State: $77,540 (e) / $95,000 (n). (These are federal maximums - cities
IP may set lower limits if desired. See the MCPP insert for individual city limits.)
MCPP funds may only be used to finance properties located within the
jurisdictional limits of the participating City or County (e.g.: Duluth funds cannot be
used in the adjoining village of Hermantown).
Some cities may have additional subsidies available, or may impose
additional guidelines. MHFA will not enforce or administer any
individual city guidelines. Lenders should contact the individual city
administrator for details.
All MCPP loans must be done in compliance with the MHFA Mortgage
Program Procedural Manual. With the exception of discount points, lender
compensation, and added city guidelines, MCPP loans are processed identically to
MMP loans. Lenders must specify the city (or county) allotment name at reservation.
The Homeownership Assistance Fund (HAF) program is also available with
MCPP loans to provide help with entry costs and monthly payments (as with the MMP).
Lenders will net 2 1/2 points for each loan closed and sold to MHFA under the
MCPP (1/2 point higher than the MMP).
Lenders must be under contract with MHFA. Some cities have chosen only a
• selected number of lenders to originate loans for their programs, while most cities
have authorized all lenders currently under contract with MHFA to originate loans for
their programs. Please see the MCPP insert for a complete listing.
1996 Minnesota City Participation Allocation
Albert Lea $401,152 Grant County $134,950
Alexandria $180,494 Hopkins $361,732 •
Anoka (City of) $383,017 Hubbard County $250,000
Anoka County $4,423,606 Lake City $100,000
Austin $482,113 Lake of the Woods $100,000
Barnesville $100,000 Lakefield $100,000
Beltrami County $789,484 Little Falls $166,144
Bloomington $1,896,228 Mahnomen County $100,000
Blue Earth County $1,203,039 Maple Grove $850,000
Breckenridge $100,000 Maple Lake $100,000
Brooklyn Center $623,100 Minnetonka $500,000
Brooklyn Park $1,279,078 Moorhead $735,408
Buffalo $168,922 Mounds View $274,580
Clearwater County $100,000 Mower County $339,550
Columbia Heights $413,052 New Brighton $488,435
Crow Wing County $1,000,000 New Hope $473,625
Crystal $518,513 Owatonna $443,634
Detroit Lakes $159,581 Richfield $771,350
Dilworth $100,000 ; Robbinsdale $311,834
Dodge Center $100,000 Rothsay $100,000
Duluth $1,875,731 Sauk Rapids $195,698
Eden Prairie $966,653 St. James $100,000
Edina $1,024,667 St. Louis Park $954,666
Elk River $280,246 St. Peter $213,985
Fergus Falls $275,543 Stevens County $231,814 •
Fridley $614,787 Washington County $3,703,510
Glencoe $107,693 Winona $300,000
Glenwood $100,000 Worthington $223,129
Glyndon $100,000 Wright County $1,442,466
Golden Valley $450,000 Zimmerman $100,000
Grand Meadow $100,000
•
1996 Minnesota City Participation Program
Program Information Insert
General Program Guidelines
• You must be a first-time homebuyer.
• You can call a participating lender listed below or MHFA at(612)297-4620 or 1-800-657-3896 to obtain current interest rate information.
•
• Your adjusted household income'must be below a specific limit set by the City(see"Participating Cities"Section).
• The price of the home you wish to buy must be below a specific limit set by the City(see"Participating Cities"Section).
• Cities may have additional requirements and/or special benefits available (see"Participating Cities"Section).
Additional help from the Homeownership Assistance Fund.
To assist you further,extra help is available for entry cost(downpayment and closing costs)assistance and monthly payment assistance through
our Homeownership Assistance Fund(HAF). Here's how it works: •
• HAF may be available to you if your maximum adjusted household income' does not excced the amounts listed:
MAXIMUM ADJUSTED
COUNTY INCOME FOR Monthly
Assistance n� andke Entry�
Assistance
Twin Cities(Anoka,Carver,Chisago,Dakota,
Hennepin,Isanti,Ramsey,Scott,Sherburne, $28,000 $26,000
_ Washington,and Wright)
Olmsted $23,000 $21,000
All other counties $21,000 $19,000
• The amount of HAF assistance for which you may be eligible depends upon your adjusted income and the nature of your home purchase.
• HAF is an interest-free,second mortgage which you will repay on a graduated basis.
If there are no banks listed under the City you are interested in, all lenders
on the attached Minnesota Mortgage Program Lender List are eligible.
Participating Cities
Anoka(City of)
40 New' Existing •You may select either a new or existing home in the City of Anoka.
Construction Homes •New construction homes must be constructed on lots which are designated •
Adjusted Income Limits' $43,650 $43,650 as part of Anoka's Scattered Site Acquisition Program. Contact the city for
Purchase Price Limits $95,000. $95,000 detatlsat612�21f630.
Anoka County
New Existing •You may select an existing home in Anoka County,except for in the cities
- Construction. Homes of Anoka,Columbia Heights,and Fridley .
.:Adjusted Income Limits' na $43,650 -
Purchase Price Limits - Ma
_ $95,000 .
Bloomington
New Existing •You may select either a new or existing home in Bloomington.
Construction Homes •New construction is allowed only in specific areas of the city. Contact the
Adjusted Income Limits' $43,650 $43,650
Bloomington HRA for details at 612-948-8940.
Purchase Price Limits $95,000 $95,000
Bell Mortgage Company Norwest Mortgage First Edina Mortgage Heigl Mortgage
3601 Minnesota Drive,Suite 550 3601 Minnesota Drive,#100 5300 Hyland Greens Drive 7803 Glenroy Road,Suite 200
Bloo i9 gton5 Bloomington Bloomington Bloomington
612-884-4082 612-844-5352 . 612-831-6644
Inland Mortgage Corporation Knutson Mortgage Corporation Waterfield Financial Corporation North American Mortgage Company
2051 Killebrew Drive,Suite 640 6465 Wayzata Boulevard,Suite 415 2901 Metro Drive,Suite 214 7760 France Avenue South,Suite 320
612-856-9605 Minneapolis Bloomington Bloomington
612-593-0236 612-853-0222 612-844-9088
1 Determine approximate'adjusted'Income by subtracting$1.000 for each household member who will Ave in the home from your current gross annual household income
Edina
New Existing •You may select an existing home in Edina.
Construction Homes •You may qualify for downpayment assistance from the East Edina Housing
Adjusted Income Limits' ryar Foundation. Contact the city for details at 612-927-8861.
Purchase Price Limits n'a $95,003
Elk River 411
New Existing •You may select either a new or existing home in Elk River.
Construction Homes
Adjusted Income Limits' $43,650 $43,650
Purchase Price Limits $95,000 $95,000
First National Mortgage Heigt Mortgage Norwest Mortgage,Inc. TCF Mortgage
716 Main Street 710 Dodge Avenue NW 564 Dodge Avenue NW 405 East Main Street
Elk River Elk River Elk River Anoka
612-441-7133 612-441-5884 612-441-1305 612-323-7668
Fridley
New Existing •You may select either a new or existing home in Fridley.
Construction Homes •New construction will only be allowed on a limited number of lots acquired
Adjusted Income Limits' $43,650 $43,650 6undde -3591.Housing Replacement Program. Contact the city for details at
Purchase Price Limits $95,000 $95,000
Golden Valley
New Existing •You may select either a new or existing home in Golden Valley.
Construction Homes
Adjusted Income Limits' nfa $43,650
Purchase Price Limits Na $95,000
Marquette Mortgage
8200 Golden Valley Road
Golden Valley
612-797-8444
•
Hopkins
New Existing •You may select an existing home in Hopkins.
Construction Homes
Adjusted Income Limits' Na $43,650 411
Purchase Price Limits Na $95,000 .
Maple Grow
•
New Existing •You may select either a new or existing home in Maple Grove.
•
• Construction Homes
•
Adjusted Income Limits' $43,650 $43,650
Purchase Price Limits $95,000 $95,000
Maple Lake
New Existing •You may select either a new or existing home in Maple Lake.
Construction Homes
Adjusted Income Limits' $43,650 $43,650
Purchase Price Limits $95,000 $95,000
Minnetonka
New Existing •You may select an existing home in Minnetonka.
Construction Homes
Adjusted Income Limits' r'a $43,650
Purchase Price Limits rtra $95,000
•
IIf there are no banks listed under the City you are interested in, all lenders on
the attached Minnesota Mortgage Program Lender List are eligible.
-THE MINNESOTA MORTGAGE PROGRAM LENDER LIST -
, •{ Twin Cities Metro Area i -
r:
Y •If there isn't a lender on this fist that serves your community,contact MHFA at 296-8215 in the Twin Cities Metro Area or 1-800-710-8871 (toil free)
• We'll be glad to help. , }.°r: ;.,`. - 3. - G; ;:w., l .k x, N, K .. '
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HFA allows lenders flexibility In determining the method that they wish to use to distribute mortgag funds,as long as the method chosen is fair and :
equitable to all potential applicants. Be'sure,to contact the lender(s)rof your choice well in advance of the rogram commencement date tole `the r
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Bel Mort a .�; •, Central Bank "r••'` . Premier Bank Metro South ���
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