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Committee hears bill to create $10 million Bank of North Dakota housing development loan fund

2238430 · February 4, 2025
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Summary

House Bill 13 62 would create a $10 million revolving loan fund at the Bank of North Dakota to support speculative single‑family and small multifamily construction; sponsors and builders testified with details but several implementation questions remain.

Representative Patrick Haddleston (District 1, Williston) introduced House Bill 13 62 to create a $10,000,000 housing development revolving loan fund administered by the Bank of North Dakota, with an emergency clause.

Under the bill as presented, the fund would lend to local banks — up to $5,000,000 per county, with an additional $5,000,000 available for 17 oil‑impact counties — and those local banks would then make loans to North Dakota‑licensed builders. Loan terms described in testimony included up to $50,000 per home (testimony suggested $50,000–$75,000 was under consideration), a 2% interest rate and repayment within five years. The program would be a revolving fund, with loan repayments returned to…

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