Is there any help available to make repairs to our home?
The Community Development Division has several programs to assist homeowners. These programs are: The Low Interest Loan program and the Emergency Assistance Program.

How do I qualify for these programs?
The applicant must meet the income guidelines set by HUD, which is adjusted yearly. For example, a family of four may have a combined income of $40,550 or below and be income qualified. The house must be the primary residence, and you must have lived in the home for at least six months. You will need to submit proof of ownership and proof of income with the application.

What happens if I qualify?
If approved, your name goes on a waiting list. A rehab manager will do an inspection of your home and do a work-write up for the repairs that need to be made. Community Development advertises for bids, prepares the contracts and monitors the work for the homeowner.

What are the interest rates?
Loans will be at an interest rate of 0% to 4% based on the property owner's ability to pay not to exceed a 30-year term. A deferred payment loan (DPL) may be offered to applicants' 62 years of age or older and/or permanently disables whose incomes do not permit the repayment of an amortizing loan. Mortgage of said property would be filed as security for the loan.

What is the Emergency Assistance Program?
Emergency assistance is provided to eligible property owners with spontaneous situations that would be considered life threatening, such as electrical hazards, structural failure, hazardous plumbing, etc. Emergency assistance for work that required up to $5,000.00 would be in the form of a grant. Emergency assistance for work over $5,000.00 will be in the form of a deferred payment loan for qualified applicants 62 or older or permanently disabled, or a low interest loan (0%-4%) with the interest rate based upon the property owner's ability to pay not to exceed a 20 year term.