Homeowner Rehabilitation Deferred Loan Program

How it works

The HOME Consortium Homeowner Rehabilitation Deferred Loan program provides a no-interest deferred loan for qualified home repairs. It is offered to income-qualified households in Jefferson, Ozaukee, Washington, and Waukesha Counties.

There are no monthly payments. The entire loan is due upon the sale or transfer of the mortgage, a cash refinance, or if the home fails to remain owner occupied.

What the money covers

The official county page says the program provides funds for qualified home repairs. It prioritizes repairs to mechanical or structural items that present an imminent health and safety problem, including:

• roofs
• mechanical systems, such as furnaces and hot water heaters
• plumbing
• water or water/sewer laterals in disrepair
• windows in disrepair
• foundations
• siding
• any accessibility improvements
• items the Administrator determines pose, or will soon pose, a health or safety problem to the homeowner

Once repairs are completed, all homes must meet the HOME Consortium's rehab standards or additional work will be required.

Amounts and matching

The page excerpt provided does not state a maximum loan amount for this program.

How to apply

Download the application and follow the instructions on the form. If you are unable to download the application, contact Waukesha County staff to obtain an application and determine eligibility.

The process described on the page includes:

• schedule a home inspection
• the inspector completes a Scope of Work detailing necessary repairs to meet code and other improvements
• homeowner gets bids from contractors
• loan closing, which is recorded as a lien on the property
• contractor, homeowner, and Waukesha County review the owner/contractor agreement
• work begins on the home
• funds are not released to pay contractors until the home passes the final inspection

Timing and deadlines

The page does not state a current deadline or application window in the text provided.