NCRA Housing Rehabilitation Overview

How it works

The Clackamas County Development Agency, working with the Community Development Division, operates housing programs for the North Clackamas Revitalization Area (NCRA). The page says the programs are intended to promote maintenance, rehabilitation, and ownership of existing affordable housing in the district. Loans and grants are available, and the agency notes that funding is limited, applications are reviewed in the order received, and approval depends on available funds plus the goals and project priorities of the NCRA Plan.

What the money covers

The page lists several program types:

• Owner-occupied housing rehabilitation loans or grants: for home repairs and rehabilitation. Deferred loans and more favorable interest rates are available for lower-income households.
• Home access grants: to remove barriers and improve access and safety so current residents can remain in homes that need upgrading. Both property owners and renters are eligible.
• Critical repair grants: for residents living in mobile homes or manufactured homes in parks to repair critical fire or safety issues such as limited accessibility or leaking roofs.
• Rental property rehabilitation loans: for properties with a minimum number of affordable rental units. Deferred loans and lower rates are available for rentals owned by nonprofit organizations and owners of single-family dwellings.

The page also says the requested grant or loan must be used to correct building code violations.

Amounts and matching

• Individual applicants are limited to no more than two awards or $50,000 each fiscal year.
• An individual property is generally limited to one award every three years.
• The agency may cap the total amount of financial assistance provided to one applicant through this or other agency programs.
• The page does not state a standard match requirement.

How to apply

The page does not provide a formal application form or step-by-step online instructions in the excerpt. It says completed applications are reviewed chronologically and that applicants must cooperate and provide information in a timely fashion through the process.

Timing and deadlines

• Program availability and eligibility are subject to change without notice.
• Funding is limited.
• Phase 1: from complete application acceptance to preliminary eligibility determination, 30-45 days.
• Phase 2: from preliminary eligibility letter to loan approval submission, 45-60 days.
• If required information is not provided on time, processing may be extended and a 30-day notice of cancellation may be issued.
• If the applicant still does not respond within 30 days, the application may be cancelled or denied for non-compliance.

Notes for homeowners

All housing rehabilitation work must be done by Oregon-licensed and bonded contractors. The agency and Community Development do not endorse contractors, but they maintain referral lists for general contractors, specialty contractors, home access contractors, and LBP general contractors.