On a hot August morning, in one of Willmar’s oldest neighborhoods, stucco bungalows, ramblers and an American Foursquare here and there stand under the shade of massive trees, set close together, bordered by sidewalks. It’s a charming scene, at first glance, yet many of these homes clearly need repair. “It’s the oldest housing stock in town,” said Jill Bengtson, the executive director of the Kandiyohi County Housing and Redevelopment Authority. Many of the homes are owned by low-income