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North Dakota Roots

Through the North Dakota Roots (Roots) program, NDHFA provides affordable mortgage loans to moderate-income buyers who may have previously owned a home.

Am I Eligible?

1) You must meet income limits, which vary based on county.

County Income Limits
Burleigh/Morton $193,200
McKenzie $192,400
Mercer $179,000
Stark $183,000
Ward $174,200
Williams $197,800
All Other Counties $167,800
Limits effective November 1, 2018, subject to change.

2) The maximum Roots loan amount must comply with the current Fannie Mae/Freddie Mac conforming loan amount or the limits of the applicable loan insurer/guarantor.

3) You are expected to meet normal credit underwriting standards and must occupy the property as your principal residence. You are also required to make a minimum of a $500 out-of-pocket cash investment.

How Do I Apply?

You can apply for a Roots Program loan at one of NDHFA’s Participating Lenders. These lenders originate Roots loans and sell them to the agency.

Additional Resources

Homeownership Brochure


Contact the Homeownership Division at (701) 328-8080 or (800) 292-8621.