For More Information Contact Jane Hindall 951-3640 ext 3766

The Emergency Repair Program addresses problems that pose an immediate threat to the health or safety of the occupants. It can be used to correct major systems that involve electrical, plumbing, roofing, heating and air conditioning.

• The maximum loan under the emergency program is $12,000.
  
  
• Homeowners whose income is at or below 80% of the median income adjusted to household size and whose home value does not exceed $304,223 may participate. Homeowners whose income is at or below 50% of the median income adjusted to household size will receive priority processing if there is a waiting list.
  
  
• Program assistance is in the form of a 0% loan that is deferred until the property is transferred, no longer owner occupied as a primary residence or 30 years, whichever comes first.

The Comprehensive Repair Program provides assistance to homeowners to repair their homes to comply with local housing codes and rehabilitation standards.

• The amount of assistance is based on available home equity and the amount of home repairs needed. The maximum assistance cannot exceed $60,000.
  
  
• Homeowners whose income is at or below 80% of the median income adjusted to household sizeand whose home value does not exceed $304,223 may qualify for assistance. Homeowners whose income is at or below 50% of the median income adjusted to household size will receive priority proessing if there is a waiting list.

• After an application is accepted, an inspector from OHCD visits participants' homes to determine repairs that are needed. Participants must then gather proposals for renovations from a licensed contractor that they choose.
  
  
• Participants are not required to make payments on their loan until the home is sold, no longer owner-occupied, or until 30 years has passed.