Home Rehabilitation Loans

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    The structure of the services index and definitions of the terms contained herein were orginally published in A Taxonomy of Human Services: A Conceptual Framework with Standardized Terminology and Definitions for the Field by the Information and Refferal Federation of Los Angeles County, Inc., 3035 Tyler Ave, El Monte, CA 91731; Copyright (c) 1983, 1987, 1991. No part of there listing of human service terms and definitions may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electrical, mechanical, photocopying, recording or otherwise without the prior written permission of the Information and Referral Federation of Los Angeles County, Inc.

    Taxonomy Code: BH-3000.3550-360

    Programs that provide loans for income-eligible people who want to repair or modify their homes or mobile homes to make them energy-efficient, attractive, safe and free of health hazards; or which help eligible individuals find loans for this purpose. Most loan programs cover major repairs, system upgrades and replacements (e.g., plumbing, heating or electrical systems) but not minor repairs. Included are conventional home rehabilitation loans, deferred loans (in which payments are deferred until the home is sold) and forgivable loans (in which all or a part of the loan is forgiven if the borrower resides in the home for a specified period of time). The forgiven part of a forgivable loan amounts to a contingent grant. If the borrower sells the home prior to the specified time period, all or part of the loan is due. A common variation is to have portions of the loan forgiven gradually over a period of years.

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    There are 24 matching records.
    Service NameDescriptionLocationProgramAgency
    Emergency Home Repair Loans (EHR) - Denver Urban Renewal AuthorityAddresses the emergency or immediate repair needs of very low income Denver homeowners, including plumbing, heating, and electrical problems. The program provides grants and deferred loans at 0% interest.Denver CountyDenver Urban Renewal AuthorityDenver Urban Renewal Authority
    Home Improvement Loan (Chaffee) - Upper Arkansas Area Council of GovernmentsThe UAACOG Home Imrovement Loan Program provides low interest housing loans for low-income families living in Chaffee or Teller counties. The loans are provided to repair or replace existing owner-occupied homes. Community Development Block Grant (CDBG) funds are used to fund the loans. Types of housing problems we can help with: • Leaking Roof • Electrical System • Plumbing System • Leaking Water Lines • Septic System • Exterior/Interior Deterioration • Crumbling Foundation • Sagging Floors • Overcrowding • Cracking and Peeling Paint • Heating System • Energy Efficiency Upgrades • Handicapped Accessibility Chaffee CountyBasic Needs (Chaffee) - Upper Arkansas Area Council of GovernmentsUpper Arkansas Area Council of Governments
    Home Improvement Loan (Teller) - Upper Arkansas Area Council of Governments The UAACOG Home Imrovement Loan Program provides low interest housing loans for low-income families living in Chaffee or Teller counties. The loans are provided to repair or replace existing owner-occupied homes. Community Development Block Grant (CDBG) funds are used to fund the loans. Types of housing problems we can help with: • Leaking Roof • Electrical System • Plumbing System • Leaking Water Lines • Septic System • Exterior/Interior Deterioration • Crumbling Foundation • Sagging Floors • Overcrowding • Cracking and Peeling Paint • Heating System • Energy Efficiency Upgrades • Handicapped AccessibilityTeller CountyBasic Needs (Teller) - Upper Arkansas Area Council of GovernmentsUpper Arkansas Area Council of Governments
    Home Improvement/Ownership Loans - Loveland Housing AuthorityOffers low interest repair/rehab loans (0% to 5% interest based upon families income) with flexible repayment terms designed to meet a family's budget. Loans may be used for repair and rehabilitation to owner occupied homes focused on health, safety, and energy efficiency. Loans can be used to finish basements or add rooms in overcrowded situations or build accessibility for special needs. Owners must meet income guidelines (80% AMI or below) and have equity in their property. Single family home loans up to $25,000, when funding is available check with agency to see if program has funding or when they expect funding. Emergency funding is available for very low income (50% or below AMI) individuals needing water heaters, plumbing and electrical emergencies, and other urgent emergency repairs. If repair is not considered an emergency, individuals must go through the regular rehab loan program. No appliance repair or replacement is eligible for this program. Maximum $1,000 lifetime assistance. Mobile Home repair loans maximum $12,000. Plumbing, siding or skirting, heating or electrical systems. Must have enough equity in the property. The pilot program begins in 2017. Also offers down payment assistance up to $15,000 for first time home buyers purchasing in Larimer County. This is a low interest rate loan at 2% with monthly payment amortized over 10 years. Buyers must meet income guidelines not to exceed 80% AMI- check with agency for those specific income levels. Buyers must be pre-qualified with a lender for the mortgage before applying for down payment assistance and will have to take a first time home buyer class. Buyers will be required to have at least 1% of the sales price in to the purchase. Eligible properties would include single family homes, town homes, condos and manufactured homes on property they own. Manufactured homes in park or rental properties are not eligible.Larimer CountyLoveland Housing AuthorityLoveland Housing Authority
    Homeowner Loan Program - Longs Peak Energy ConservationHomeowner Loan Program - Low interest loans are available for qualified homeowners with an income under 80% of Boulder County Average Median Income (AMI) for needed health and safety repairs. The maximum available is $25,000.Boulder CountyLongs Peak Energy ConservationLongs Peak Energy Conservation
    Home Rehabilitation - Commerce City Housing AuthorityProvides low-interest loans to qualifying homeowners for home repair and improvement projects such as: - Roofing - Electrical - Plumbing - Heating/Furnace - Windows - Siding/Painting - Foundation Repairs - Emergency RepairAdams CountyCommerce City Housing AuthorityCommerce City Housing Authority
    Home Repair Loans (9500 Civic Center Dr) - City of ThorntonOffers income-eligible homeowners in Thornton a 0% interest loan for major repairs related to health, safety or accessibility. Loans of up to $12,000 in repairs, which may cover the following types of projects: - Correcting structural problems - Replacing damaged roofs - Repairing or replacing water or sewer lines that are on the resident’s property - Major accessibility solutions such as ramps or retrofitting a bathroom - Major plumbing, mechanical or electrical repairsAdams County9500 Civic Center Dr - City of ThorntonCity of Thornton
    Home Repair Loans and Grants - USDA Rural Development State OfficeOffers repair loans up to $20,000 at a 1% interest rate for very low income homeowners who have health and safety concerns for their home. Grants are also available to low income homeowners ages 62 and older. Denver CountyUSDA Rural Development State OfficeUSDA Rural Development State Office
    Home Repair Loans - Northeast Colorado HousingProvides a variety of services to assist families with affordable housing and repairs.Morgan CountyNortheast Colorado Housing Inc.Northeast Colorado Housing Inc.
    Home Repairs - City of ArvadaProvides grants and loans, as well as technical assistance and contractor supervision, to Arvada homeowners to help repair and provide energy saving improvements to their homes. Repairs may include but are not limited to: - Roofing - Structural - Gutters - Plumbing - Heating - Electrical - Water Heaters - Drains - Flooring - Kitchen & Bath Repairs - Sewer Line Replacement - Doors & Storm Doors - Windows - Painting - Air Infiltration - Lead Hazard Controls - Walls and Attic Insulation - Exterior Drainage Jefferson CountyCity of ArvadaCity of Arvada
    Housing Rehabilitation Loans - Greeley Urban Renewal AuthorityAdministers the CDBG, HOME Investment Partnership, and Neighborhood Stabilization grants for the City of Greeley, Provides affordable home-ownership opportunities. Administers the Housing Rehab program for the City of Greeley. Weld CountyGreeley Urban Renewal AuthorityGreeley Urban Renewal Authority
    Housing Rehabilitation Program - Jefferson County Housing AuthorityProvides assistance to homeowners in Jefferson County for essential repairs and necessary improvements to their home. Primarily assists individuals who are elderly or disabled on fixed incomes, and working, low- to moderate-income families. Will assist with obtaining competitive bids, finding a qualified contractor, preparing loan and construction documents, inspecting the work, and authorizing payments as the work progresses. Rental assistance and emergency housing are NOT provided.Jefferson CountyJefferson County Housing AuthorityJefferson County Housing Authority
    Housing Rehab - San Luis Valley (SLV) Housing CoalitionSLVHC designed the home rehabilitation program to help qualified low-to-moderate income homeowners make the necessary repairs to their home. In order to bring about a safer, more sanitary and energy efficient living environment, the SLVHC offers this loan program at a low-interest rate, 0-5%, which can be amortized up to thirty years.Alamosa CountyBasic Needs - San Luis Valley (SLV) Housing CoalitionSan Luis Valley (SLV) Housing Coalition
    Housing Resources of Western Colorado (Grand Junction Office)Provides housing services that are affordable to families and individuals in Western Colorado. Housing Resources offers: - Home-buyer education classes and awareness programs - Financial capability counseling and workshops - Opportunities for community revitalization and the provision of decent, safe and affordable housing for those with low to moderate incomes. The Grand Junction office provides support for the Weatherization program for Mesa county, Self-Help Housing program for Mesa and Montrose county and the Housing Rehabilitation Loan program for Mesa and Garfield county.Mesa CountyHousing Resources of Western Colorado (Grand Junction Office)Housing Resources of Western Colorado
    Investor Owner Rehab - City of Colorado SpringsThe Investor Owner Rehab program provides affordable loans for essential housing rehabilitation for rental properties. The interest rate is 0% for up to half the cost of eligible rehabilitation. The investor owner provides the other half of the cost of rehabilitation from private resources. The maximum loan amount is $25,000 for one-to-four units with up to 15 years to repay. The loan is secure by Deed of Trust on the property. A qualified staff can help inspect your property, develop a work description, and help find a qualified contractor to do the work. Other criteria will be considered.El Paso CountyBasic Needs - City of Colorado SpringsCity of Colorado Springs
    Minor Home Repair - Adams County Community and Economic DevelopmentProvides grants for repairs on homes located in Commerce City, Federal Heights, Northglenn, and unincorporated Adams County. Repairs can include: - roof repair - sewer lines - plumbing - electrical - heating - energy efficiency (windows)Adams CountyAdams County Community and Economic DevelopmentAdams County Community and Economic Development
    Mobile Home Rehabilitation Program - Longs Peak Energy ConservationMobile Home Rehab Program - Provides health and safety repairs to mobile homes within Boulder City limits. This is a 2-year forgivable loan limited to $7,500 in repair work. To qualify, you must meet income eligibility requirements.Boulder CountyLongs Peak Energy ConservationLongs Peak Energy Conservation
    Owner Occupant Housing Rehabilitation - City of Colorado SpringsUrban Redevelopment provides low interest loans for essential housing rehab through the Owner Occupant Housing Rehabilitation Program. The interest rate is 3% or less and the maximum re-payment term is 20 years. The loan is secured by a Deed of Trust on the property.El Paso CountyBasic Needs - City of Colorado SpringsCity of Colorado Springs
    Senior Home Repair Loan - United States Department of AgricultureThe Very Low-Income housing repair program provides loans and grants to very low-income homeowners to repair, improve, or modernize their dwellings or to remove health and safety hazards. A loan and/or grant from USDA Rural Development is an option for seniors 62 or older. Home improvement loans can be made to people who cannot afford a new house, but need to make improvements on their present house to bring it up to minimum standards. USDA Rural Development also makes loans as well as grants to homeowners to remove health and safety hazards from their dwellings. Alamosa CountyOrganizational / Community / International (SLV) - US Dept of AgricultureUnited States Department of Agriculture
    Septic System Loan Program - Longs Peak Energy ConservationSeptic System Loan Program - This program assists qualified individuals in Boulder County outside of Boulder or Longmont city limits to repair or replace their septic systems when required by the Boulder County Health Department. Up to $10,000 is available as a low interest loan.Boulder CountyLongs Peak Energy ConservationLongs Peak Energy Conservation
    Single Family Housing Rehabilitation - City of Colorado SpringsUrban redevelopment administers a Housing Rehab Program on behalf of the El Paso County Housing Authority that is designed to finance essential housing repairs for eligible low income owner-occupants to improve health, safety, energy conservation, and structural deficiencies.El Paso CountyBasic Needs - City of Colorado SpringsCity of Colorado Springs
    Single Family Rehabilitation (SFB) - Denver Urban Renewal AuthorityAssists low- to moderate-income Denver homeowners in making their homes safe and livable. The program provides loans for major system upgrades and repairs such as roofing, heating, and electrical/plumbing systems. Depending on income, loans are zero to one percent interest up to $35,000.Denver CountyDenver Urban Renewal AuthorityDenver Urban Renewal Authority
    Urgent Housing Repair - City of Colorado SpringsCity of Colorado Springs and El Paso County Residents The Emergency Repair program provides grant assistance for housing conditions that are an immediate hazard to the health, safety or welfare of a property owner located in the City of Colorado Springs or El Paso County. Emergency repairs can include sewer lines, furnaces, boilers, hot water heaters, plumbing, electrical and glass. Repairs to mobile homes and manufactured homes are limited to plumbing and mechanical systems. Sewer lifetime grant maximum: $7,500 All other emergencies grant maximum: $2,500 Qualifications: You must meet the guidelines posted on the Income Guidelines page The property must be your primary residence You must own and occupy the property The property cannot exceed $247,000 after rehabilitation The property cannot be located in the floodplain El Paso CountyBasic Needs - City of Colorado SpringsCity of Colorado Springs
    Waste Water Loan Program - Denver Urban Renewal AuthorityOffers a low interest revolving loan program designed for the purpose of repair and replacement of sanitary sewers in the South Platte Watershed.Denver CountyDenver Urban Renewal AuthorityDenver Urban Renewal Authority

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