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<br />HOUSING REHABILITATION <br />PROGRAMS <br /> <br />13 <br /> <br />ANOKA COUNTY MASTER GARDENERS <br />ANNOUNCE SPECIAL <br />2005 LASTING LANDSCAPES SCHEDULE <br /> <br />This year we have a very well rounded selection of <br />classes to enhance your gardening skills and possibly coax you <br />into a new venue of gardening practices. All classes are presented <br />by Anoka County Master Gardeners. <br />Beginning the season is our Basics of Landscape Design <br />class. This class will assist you in designing your landscape and <br />choosing appropriate trees and shrubs for your location. This <br />class will be held on February 26, 9:00 a.m. 12:30 p.m., $30.00. <br />Continuous Color with Perennials and Annuals will be a <br />wonderful follow up for the design class and will incorporate <br />flowers into you landscape plan. This class will be held March <br />10,7:00 - 8:30 p.m., $15.00. <br />Container Gardening will be the class for you if you are <br />working with small areas and want some color, or if you just want <br />to try something new. This class will be held April 7,7:00 - 8:30 <br />p.m., $15.00. <br />Basic Lawn Care Practices What everyone needs to <br />lmow for a low maintenance lawn care program, plus information <br />on weed control and fertilizing programs. April 19, 7:00 - 8:30 <br />p.m., $15.00. <br />Preregistration is requested at least one week before the <br />class (space is limited). All classes will be held at the Bunker <br />Hills Activities Center, 550 Bunl(er Lake Blvd NW, Andover. <br />Contact the University of Minnesota Extension Service, <br />Anoka County at 763-755-1280 for more information and class <br />brochure, or visit our website at www.extension.umn.edu/county/ <br />anoka. <br /> <br /> <br />HOT READS FOR <br />COLD NIGHTS <br /> <br />A celebration of reading has become an annual event at <br />the Anoka County Library. "Hot Reads for Cold Nights" will <br />remind adults of the pleasures of reading during the short, dark <br />months of winter. "Hot Reads" will run through the entire month <br />of February. All adult library users are welcome to join the fun. <br />Reading requirements are minimal and the prizes are great! <br />F or more information about "Hot Reads for Cold Nights" <br />or about the library, visit the library's website at <br />www.anoka.lib.mn.us. call 763-717-3267, or talk to the staff at <br />your local branch of the Anoka County Library. <br /> <br />ACCAP Housing Rehabilitation is a <br />program that provides grants and loans to low-income <br />homeowners for home repairs that they otherwise <br />could not financially afford. The improvements to the <br />homes are to meet building code and/or health and <br />safety standards. Please be aware that the Housing <br />Rehabilitation Program is not designed for cosmetic <br />improvements, remodeling, or building additions to the <br />home. Improvements may include, but are not limited <br />to repairs such as roof, electrical, plumbing, window, <br />siding, furnace, water heater, insulation, foundation, <br />accessibility, well and septic systems. <br />If interested in the program, please call the <br />hotline at 763-783-4721. <br />Minnesota Housing Finance Agency <br />(MHFA): This program is funded directly from <br />MHFA. The MHFA program is a deferred loan <br />(interest free with no monthly payments), for a <br />maximum of$15,000. The original loan amount is to <br />be paid in full if the home is sold or transferred. The <br />entire loan is due payable at 30 years, regardless if <br />home is sold or transferred. <br />Please be aware that this is a loan program, <br />and income, along with other applicant information, <br />will be verified by ACCAP. The income limit is based <br />on an adjusted gross annual income level between <br />$11,000 - $18,000. The MHFAprogram has a very <br />low-income threshold waiting list only. <br />The eligibility requirement for the MHFA <br />program include, but are not limited to: <br />. Income - Anyone living in the household <br />that is over 18 must be included in income <br />calculation (includes: children, spouses, <br />relatives, friends, etc.) <br />. Type - Home must be a single family or <br />mobile home. <br />. Mortgage and Property Tax - Must be <br />current on mortgage and property tax. <br />. Title - Applicant must be in title to the home <br />and have at least 1/3 interest. <br />. Residence - Must reside in home at least <br />six (6) months prior to applying for a loan. <br />. Expenses - Must be enough household <br />income to support house payment and living <br />expenses. <br />. Foreclosure - Home cannot be in <br />foreclosure. <br />In addition to these programs you may wish <br />to contact MHFA directly at 651-296-8215. <br /> <br />To do great important tasks, two things are necessary; a plan and not quite enough time. - Anonymous <br />