Home repair loans assist low-income homeowners pay for needed and repairs that are critical. Our objective is always to expel unhealthy or dangerous conditions, eiminate barriers to accessibility, enhance security for people with real disabilities and incorporate energy preservation measures that reduce power expenses and use.
We offer loans to low-income homeowners for required and critical home repairs and little funds to low-income individuals with disabilities to create their houses more accessible. Loans and funds now available and income restrictions are given just below.
Fill in an inquiry to learn if you should be qualified!
For low-income people with physical disabilities to enhance safety and access(some tenants might not be qualified): Accessibility funds
For low-income property owners: Home Fix Loans
Us or call 503-655-8591 if you have other quesitons, email.
How exactly does the Housing Rehabilitation Program work?
This program provides loans that are low-interest funds to greatly help property owners in Clackamas County repair their homes and enhance accessibility.
Procedures to acquire a true home fix loan or accessibility grant:
- Complete an inquiry that is on-line phone our workplace for help. You may be eligible we will add you to the waiting list if it appears. Whenever capital can be obtained, we will deliver you a page. If you’re nevertheless interested, you could then use.
- We shall review your application and discover eligibility.
- In the event that you qualify, a Rehab Advisor will examine your premises to find out exactly just what repairs are required. Safety and health things really are a concern.
- You will request bids from contractors that you choose. A summary of interested contractors can be acquired for the convenience.
- Your Rehab Advisor will help you throughout the construction process.
Accessibility Grants
Low-income homeowners (and renters that are eligible with real disabilities can be qualified to receive a grant as much as $5,000 to pay for the price of enhancing access and security. Types of qualified improvements: wheelchair ramps, handrails and widened doorways, kitchen area or restroom accessibility improvements such as for example roll-in showers, raised toilets and grab pubs. (For tenants in flats, at the very least 51 % for the devices into the framework should be occupied by low-income households. )
Residence Fix Loans
| Max. Loan | ||
| solitary Purpose wellness or security product just. Examples: water/well, septic/sewer, heat or roof. Main temperature supply just — woodstoves & online payday PA pellet stoves are thought a additional temperature supply. (No equity needed. ) | $15,000 repairs that are exterior: Roof/Gutters, Paint, Weatherization, Windows/Doors, Foundation. (Credit and equity needs apply. ) | $25,000 |
| Complete Repairs Complete home repairs must satisfy Community developing rehab standards. | $35,000 |
Fundamental loan needs
Home should be based in Clackamas County and needs to be looking for fix
Deferred Payment Loan (DPL) terms
Minimal 3percent per simple interest year. Payments are deferred — no payments that are monthly. Deferred provided that home owner life in house, or until offered, name moved, refinance, or modification of good use. Loans are guaranteed by lien on home.
Current yearly gross income limits effective June 28, 2019
Family members’s yearly revenues must be significantly less than 80% of this County’s median income, as based on HUD. The limits that are current apply to loans and funds are shown below.
| Domestic Size | Annual Gross money (maximum) |
| 1 | $49,250 |
| 2 | 56,250 |
| 3 | 63,300 |
| 4 | 70,300 |
| 5 | 75,950 |
| 6 | 81,550 |
| 7 | 87,200 |
| 8 | 92,800 |
Other information
Contractors
Our company is presently soliciting for contractors whom can be thinking about bidding on jobs when you look at the Housing Rehabilitation Loan Program. Contractors on our list must certanly be certified, fused and registered using the continuing State of Oregon Construction Contractors Board and also have experience with housing rehabilitation.
We usually do not suggest or endorse any contractors. Contractors in the HUD debarred list aren’t entitled to use.
If you’re enthusiastic about working together with our system, please finish the specialist information return and application to the workplace. Please include copies of your CCB registration, insurance coverage certificates and certifications of certain trades, including asbestos or lead-based paint.
Applications and documents that are supporting be mailed to: Clackamas County Community developing, 2051 Kaen Rd., STE 245, Oregon City, Oregon 97045; Faxed to 503-655-8563; or emailed.
When you have any queries or require more information, you could phone County Rehab professionals, Jayson Tidland or Mike Woolman at 503-655-8591.
- Applicant must acquire or perhaps property that is buying needs to be in name
- Owner must inhabit property
- Property fees should be present
- Applicant will need to have enough equity
- Loans for outside repairs need that the outside of houses be brought as much as HUD’s Housing Quality Standards (HQS) and Clackamas County’s minimal rehab standards.
- Loans for a purpose that is single restricted to one wellness or security item just.
- All work needs to be done by Oregon-licensed and bonded contractors.
- Manufactured domiciles in areas usually do not be eligible for that loan. (OK for an Accessibility give. )