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Minnesota Urban and Rural Homesteading (MURL) Program

About the Program

MURL is a first-time homebuyer program for low- to moderate-income families who are unable to purchase a home through conventional means. Eligible families must be considered “at risk” for home ownership. Barriers such as past credit problems, lack of a down payment, and low wages are all factors that limit a household’s ability to own a home and would be considered “risk factors” for home ownership.

The MURL single-family homes will be sold on a zero-interest contract for deed with no down payment requirement. To be a qualified homebuyer you must have an income to be able to pay off the contract for deed in a 30-year time span.

Eligibility

Homebuyers must meet income guidelines, be first-time homebuyers (a first-time homebuyer includes individuals who owned a home with a spouse or significant other and are separated or divorced, individuals who have not owned a home in the last three years, and individuals who have never owned a home), and be unable to purchase a home through traditional financing. Buyers must pay 25% of their gross monthly income as the monthly house payment. Hazard insurance and property taxes are escrowed and are included in the 25% payment.

How to Apply

For more information about the MURL Program, please contact Janelle Bennett.

Application

MURL Program Application
Click here to download the PDF.

More Information

Janelle Bennett, Housing Coordinator

Email: janelleb@wcmca.org

Phone: 320-304-3458, Ext. 7214

Toll Free Phone: 800-492-4805, Ext. 4

Fax Number: 320-335-2463

Mailing Address:

WCMCA
Attn: Janelle Bennett
503 Hawthorne St, Suite 45
Alexandria, MN 56308

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