Southern Housing Region Program (Housing Rehabilitation)

How it works

The Southern Housing Region has a Community Housing Development Block Grant for Housing Rehabilitation. For homeowners, the funds are loaned at 0% interest to eligible households for home repairs. It is a deferred-payment loan, which means you do not pay it back until you sell the house or no longer live there. After 30 years, the loan will be reviewed with the possibility of extending it for another 30 years.

What the money covers

The page says the eligible work is determined at the initial inspection. It also says any documented lead hazards found through the program will be granted to the owners. As an example, if wood siding is identified as a lead hazard on the risk assessment, the cost of replacing the siding will be granted to the owners.

Amounts and matching

The page does not state a dollar cap, match requirement, or maximum loan amount.

How to apply

Applications are accepted on a first-come, first-serve basis. There is no cost to fill out an application, and all information submitted is strictly confidential. For more details, the page lists Kari Justmann, MSA Professional Services, at 1-800-552-6330.

Timing and deadlines

The page does not provide a closing date or application deadline. It does say the loan repayment starts only when you sell the house or no longer live there, and that the loan is reviewed after 30 years with possible extension for another 30 years.