Programs & Services

Emergency Home Repair Program

Applications are available.

Eligible Repairs

Code Violations
Structural Hazards: leaking roof, rotted or unsafe floors, ceilings, walls, stairs, etc.
Electrical and other fire hazards
Gas Lines
Roof Repair/replacement, gutters
Repair/Replacement of heating systems/HVAC
Repair of air conditioning systems (Must be medically related with doctor’s notifications)
Plumbing (includes, water tank and waterlines which may include branch lines and well pump repair or replacement) and sewer/septic repair

Ineligible Repairs

Eligible Accommodations:

Ramps, Grab bars, Door widening, Level door knobs/faucets, Assisted technology devices, Toilets

Maximum Eligible Area Median Income (AMI)

If a household income is at or below 60% AMI, 100% of the loan will be deferred and forgiven over 5 years.
If a household income is above 60% AMI but at or below 80% AMI, 20% of the total loan will be payable over the 5 year loan term. 80% of the total loan is deferred and forgiven during the 5 year loan term.

Loan amount up to $60,000, minimum loan of $5,000
Terms up to 30 years
Rate of 4.99 – 6.5%
No minimum credit score requirement
Property must be primary residence
Borrower must reside in the property for at least 6 months (other conditions may apply)
Borrowers must be current on their mortgage payments if there is a mortgage
Borrowers must be current on their property taxes
Borrowers must have active property insurance at time of closing and maintain proper coverage