Residence repair loans assist low-income homeowners pay for required and repairs that are critical. Our objective would be to eradicate unhealthy or dangerous conditions, eiminate barriers to accessibility, enhance security for people with real disabilities and energy that is incorporate measures that reduce power expenses and use.
We offer loans to low-income homeowners for required and critical home repairs and little funds to low-income people with disabilities in order to make their houses more available. Loans and funds now available and income restrictions are down the page.
Fill in an inquiry to learn if you’re qualified!
For low-income people with real disabilities to boost access and security (some tenants is almost certainly not qualified): Accessibility funds
For low-income home owners: Home Fix Loans
Us or call 503-655-8591 if you have other quesitons, email.
How can the Housing Rehabilitation Program work?
This system provides loans that are low-interest funds to aid property owners in Clackamas County repair their houses and enhance accessibility.
Procedures to get a true house fix loan or accessibility grant:
- Complete an inquiry that is on-line phone our office for help. If it seems perhaps you are eligible we are going to add one to the waiting list. When money can be acquired, we will give you a page. If you’re nevertheless interested, you might then use.
- We’re going to review your application and discover eligibility.
- If you qualify, a Rehab Advisor will examine your home to ascertain exactly what repairs are expected. Safety and health things are really a concern.
- You shall request bids from contractors that you choose. A listing of interested contractors can be obtained for the convenience.
- Your Rehab Advisor can assist you for the construction procedure.
Accessibility Grants
Low-income homeowners (and qualified tenants) with real disabilities might be qualified to receive a grant as much as $5,000 to pay for the price of improving access and security. Samples of qualified improvements: wheelchair ramps, handrails and widened doorways, kitchen area or restroom accessibility improvements such as for example roll-in showers, raised toilets and grab pubs. (For renters in flats, at the least 51 % associated with the devices into the framework must certanly be occupied by low-income households. )
Residence Fix Loans
| Max. Loan | |
| solitary Purpose wellness or safety product just. Examples: water/well, septic/sewer, heat or roof. Primary temperature supply just — woodstoves & pellet stoves are thought a heat source that is secondary. (No equity needed. ) | $15,000 |
| External Repairs Examples: Roof/Gutters, Paint, Weatherization, Windows/Doors, Foundation. (Credit and equity demands apply. ) | $25,000 |
| Complete Repairs Complete house repairs must fulfill Community developing rehab standards. | $35,000 |
Fundamental loan needs
House should be based in Clackamas County and should be looking for fix
Deferred Payment Loan (DPL) terms
Minimal 3percent per year simple interest. Re re Payments are deferred — no monthly obligations. Deferred provided that home owner everyday lives in house, or until offered, name transported, refinance, or modification of good use. Loans are guaranteed by lien on home.
Present annual gross income limits effective June 28, 2019
Family members’s yearly income that is gross be significantly less than 80% associated with the County’s median earnings, as dependant on HUD. The current limitations that apply to loans and grants are shown below.
| Home Size | Annual Gross money (maximum) |
| 1 | $49,250 |
| 2 | 56,250 |
| 3 | 63,300 |
| 4 | 70,300 |
| 5 | 75,950 |
| 6 | 81,550 |
| 7 | 87,200 |
| 8 | 92,800 |
Other information
Contractors
Our company is presently soliciting for contractors whom might be enthusiastic about putting in a bid on tasks into the Housing Rehabilitation Loan Program. Contractors on our list should be certified, fused and registered with all the continuing State of Oregon Construction Contractors Board and also have experience with housing rehabilitation.
We usually do not suggest or endorse any contractors. Contractors from the HUD debarred list aren’t entitled to use.
If you should be thinking about working together with our program, please complete the specialist information return and application to the workplace. Please include copies of your CCB registration, insurance coverage certificates and certifications of certain trades, including asbestos or lead-based paint.
Applications and documents that are supporting be mailed to: Clackamas County Community developing, 2051 Kaen Rd., STE 245, Oregon City, Oregon 97045; Faxed to 503-655-8563; or emailed.
You may call County Rehab Specialists, Jayson Tidland or Mike Woolman payday loans in Washington at 503-655-8591 if you have any questions or need additional information.
- Applicant must possess or be buying home and should be in name
- Owner must are now living in home
- Home taxes must certanly be current
- Applicant will need to have enough equity
- Loans for exterior repairs need that the surface of houses be brought as much as HUD’s Housing Quality Standards (HQS) and Clackamas County’s minimal rehab standards.
- Loans for a solitary function are limited by one wellness or security product just.
- All work needs to be done by Oregon-licensed and bonded contractors.
- Manufactured houses in areas don’t be eligible for that loan. (OK for an Accessibility give. )