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Emergency & Accessibility Loan Program (ELP)

About the Program

WCMCA is the Minnesota Housing Finance Agency (MHFA) approved lender for the Emergency & Accessibility Loan Program (ELP) for the following counties: Grant, Traverse, and Wilkin. 

The Emergency & Accessibility Loan Program (ELP) can be utilized if an emergency is identified that threatens household members’ health and safety. If an emergency is identified and there are other deficiencies that need to be addressed, the borrower could receive both Rehabilitation Loan Program (RLP) and ELP funds.

How much money could I receive for my home improvement project?

  • Emergency & Accessibility Loan Program (ELP) – up to $15,000

What are the terms of the loan?

ELP is a deferred loan, up to 15 years, which means no interest and no payments during the life of the loan.  The loan is forgiven when the term is reached provided the borrower occupies and owns the property during the entire loan term.



Eligibility Information

  • Must be 18 years of age or older
  • Occupy and own the property for at least 6 months
  • Be current on any mortgage payments, if applicable
  • Be current on all property taxes
  • Have assets less than $25,000
  • Fall at or below the following income limits

Application Details

Click here to view the ELP Application

For more information, please contact Megan Radermacher.

Documents & Links

More Information

Megan Radermacher, Housing Coordinator

  • 320-304-3458, ext. 7217
  • 800-492-4805, Ext. 4
  • Fax: 320-335-2463
    Attn: Megan Radermacher
    1910 Aga Drive - Suite 206
    Alexandria, MN 56308

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