Financing Your Project

Don’t let budget hold up a project your home needs. We’ve pulled together every financing option available to Blaine and Minnesota homeowners — including city grant programs most contractors never mention.

Our Primary Financing Partner

Co-branded partner

Enhancify — Home Improvement Financing

Apply in 2 minutes with a soft credit pull that won’t impact your score. Get matched with multiple lenders instantly and finance up to $200,000 for any IBD project — roofing, siding, windows, remodeling, or storm damage work.
Up to $200,000
Rates from 7.99%
Credit scores from 550
Soft pull only — no credit score impact
Funded in 2–3 business days
0% promotional APR offers available
Apply Now

Additional Financing Options

Lyon Financial

Specializing in home improvement financing since 1979. Lyon offers longer terms, higher loan amounts, and a dedicated account manager who answers the phone — not a call center. A strong option for larger projects.

Learn more

Using Your Home’s Equity?

A HELOC or cash-out refinance can be a smart option for larger projects if you’ve built up equity in your home. Talk to your bank or credit union — or give us a call and we’ll help point you in the right direction.

Talk to us first

Blaine Homeowners Only

City Grant Programs

Most homeowners don’t know these exist. The City of Blaine offers grant money — not loans — toward qualifying home improvement projects. No income limits on most programs. IBD is a licensed contractor that meets all program bid requirements, so you can use us directly.

Up to $6,000

Front Door Program

A city grant covering 20% of your project cost for qualifying curb appeal improvements. Eligible work includes roofing, siding, windows, gutters, trim, soffit, and fascia — all work IBD performs. Homes must be owner-occupied, homesteaded, assessed at $450,000 or less, and at least 30 years old.
BlaineMN.gov/3437 →
Up to $50,000

City Home Improvement Loan

Low-interest loan through the Blaine Economic Development Authority, administered by the Center for Energy and Environment (CEE). 2025 rates starting at 6.25%. Covers most interior and exterior home improvement projects.
MNCEE.org/Blaine →
$10,000

Accessibility Deferred Loan

No interest. No monthly payments. Repaid only when the home is sold. Available to Blaine homeowners whose household includes an individual with a disability. Projects must be approved by the individual’s physician.
MNCEE.org/Blaine →
$10,000

Emergency Deferred Loan

For homeowners who cannot obtain other financing for urgent repairs or code violations. No monthly payments — repaid upon sale of the home. Subject to income limits and CEE inspection approval.
MNCEE.org/Blaine →

Grants are paid on a reimbursement basis after project completion. All work must begin after a grant agreement is executed. Applications open for 2026 — visit BlaineMN.gov for current status and program details.

All Minnesota Homeowners

CEE Statewide Loan Programs

The Center for Energy and Environment offers statewide low-interest home improvement loans available to any Minnesota homeowner — not just Blaine residents. Loan amounts from $2,000 to $75,000, terms up to 20 years, financing available for 100% of project costs, and no prepayment penalty.
Home improvement loans
Home energy loans
Solar financing
Air source heat pump financing
Down payment assistance
MNCEE.org/cee-loan-programs
Not sure which option is right for your project? Call us — we’ll help you figure it out.
Call 612-808-6025