Minnesota Housing Finance Agency

Minnesota Housing Finance Agency (MHFA) is the state’s housing finance agency.  For more than 40 years, they have worked to provide access to safe, decent and affordable housing and to build stronger communities across the state.  From first-time buyers to current owners, Minnesota Housing has affordable loan programs to meet your needs. 

Visit the Minnesota Housing website to learn how the process works.


Explore the variety of products Minnesota Housing offers and to find approved Winona lenders servicing Minnesota Housing products.

  1. First-Time Home-Buyers
  2. Refinancing Your Home
  3. Home Improvement Loan

The Start-Up Program is for first-time homebuyers (or have not owned a home in the past three years):