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Low-income home loans available

USDA Rural Development, a federally funded agency, offers loans for low-income households to purchase or build single family dwellings, as well as home improvement loans for very-low-income households who already own their homes. Applicants for both programs must meet established income guidelines, have an acceptable credit history and show repayment ability.

To schedule an appointment or for more information call the USDA Rural Development Office at 751-1942, ext. 4; write to USDA Rural Development, 3217 Bemidji Ave. N., Bemidji, MN 56601; or visit the USDA website at

The Bemidji office serves the counties of Beltrami, Clearwater and Lake of the Woods.