Grants directory
Low Interest Loan Program / Deferred Payment Loan
City of St. Joseph Community Development · City program
0% to 4% interest; standard loan term up to 30 years; deferred-payment loan available for some seniors and permanently disabled borrowers.
The City of St. Joseph offers low-interest and deferred-payment loans to help owner-occupants make home repairs. The posted FAQ says loans are 0% to 4% depending on ability to pay, with terms up to 30 years for the standard program.
Program details
How it works
The city’s Community Development division says it has a Low Interest Loan Program / Deferred Payment Loan to assist homeowners with repairs. If approved, the applicant is placed on a waiting list, a rehabilitation manager inspects the home, and the city advertises for bids, prepares contracts, and monitors the work.
Amounts and repayment
The FAQ says loans carry an interest rate of 0% to 4% based on the owner’s ability to pay, with a term not to exceed 30 years. A deferred payment loan may be offered to applicants age 62 or older and/or permanently disabled whose income does not permit repayment of an amortizing loan. The property mortgage is filed as security for the loan.
What the money covers
The official pages on the city site do not publish a detailed repair list for this loan program on the pages retrieved here; they present it as home-repair assistance generally.
How to apply
The Community Development page says eligible homeowners inside St. Joseph city limits should call 816-271-4609 to have the house considered.
Timing and deadlines
The FAQ says approved applicants are placed on a waiting list. No fixed application season is posted on the retrieved pages.
Full eligibility details
Create a free account to see full eligibility, get matched to your address, and get application help.
Create accountGet matched to programs for your exact address
Create a free Cindera account to see full eligibility details, get programs matched to your exact address, and get grant application help.
Create account