Residence Fix Loans and Residence Accessibility Grants

Residence repair loans assist low-income homeowners pay for required and critical repairs. Our objective would be to eradicate unhealthy or dangerous conditions, eiminate barriers to accessibility, enhance security for individuals with real disabilities and incorporate energy preservation measures that reduce energy expenses and use.

We offer loans to low-income homeowners for required and critical house repairs and tiny funds to low-income individuals with disabilities to help make their domiciles more available. Loans and funds available and limits that are income given just below.

Fill in an inquiry to learn if you should be qualified!

For low-income individuals with physical disabilities to enhance access and security (some tenants may possibly not be eligible): Accessibility funds

For low-income property owners: Home Fix Loans

When you yourself have other quesitons, e-mail us or call 503-655-8591.

So how exactly does the Housing Rehabilitation Program work?

This system provides loans that are low-interest funds to greatly help property owners in Clackamas County repair their domiciles and enhance accessibility.

Procedures to acquire house repair loan or accessibility grant:

  1. Complete a online inquiry or phone our workplace for help. You may be eligible we will add you to the waiting list if it appears. Whenever financing can be acquired, we shall give you a page. If you should be nevertheless interested, you might then use.
  2. We shall review your application and discover eligibility.
  3. In the event that you qualify, a Rehab Advisor will examine your premises to ascertain exactly exactly just what repairs are expected. Safety and health products are really a concern.
  4. You shall request bids from contractors of the option. A listing of interested contractors can be obtained for the convenience.
  5. Your Rehab Advisor will help you for the construction procedure.

Accessibility Grants

Low-income homeowners (and renters that are eligible with real disabilities might be entitled to a grant as much as $5,000 to pay for the price of increasing access and security. Samples of qualified improvements: wheelchair ramps, handrails and widened doorways, bathroom or kitchen accessibility improvements such as for example roll-in showers, raised toilets and grab pubs. (For tenants in flats, at the least 51 % regarding the devices within the framework needs to be occupied by low-income households. )

Home Fix Loans

Max. Loan
solitary Purpose wellness or security product just. Examples: water/well, septic/sewer, heat or roof. Main temperature supply just — woodstoves & pellet stoves are believed a additional temperature supply. (No equity needed. ) $15,000 repairs that are exterior: Roof/Gutters, Paint, Weatherization, Windows/Doors, Foundation. (Credit and equity needs apply. ) $25,000
Complete Repairs Complete house repairs must fulfill Community developing rehab standards. $35,000

Fundamental loan needs

House should be situated in Clackamas County and should be looking for repair

Deferred Payment Loan online payday NJ (DPL) terms

Minimal 3percent per simple interest year. Re re Payments are deferred — no payments that are monthly. Deferred provided that home owner everyday lives in house, or until sold, name transmitted, refinance, or modification of good use. Loans are guaranteed by lien on home.

Present yearly income that is gross effective June 28, 2019

Your family’s yearly income that is gross be lower than 80% of this County’s median earnings, as decided by HUD. The present limitations that apply to loans and funds are shown below.

Domestic 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 thinking about putting in a bid on jobs into the Housing Rehabilitation Loan Program. Contractors on our list needs to be certified, fused and registered aided by the State of Oregon Construction Contractors Board and also have experience in housing rehabilitation.

We try not to recommend or endorse any contractors. Contractors regarding the HUD debarred list aren’t qualified to use.

If you’re thinking about working together with our system, please finish the specialist information return and application to your workplace. Please include copies of your CCB registration, insurance coverage certificates and certifications of certain trades, including asbestos or paint that is lead-based.

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.

When you yourself have any concerns or require extra information, you could phone County Rehab professionals, Jayson Tidland or Mike Woolman at 503-655-8591.

  • Applicant must obtain or perhaps purchasing home and needs to be in name
  • Owner must are now living in home
  • Property fees must certanly be present
  • Applicant should have adequate equity
  • Loans for outside repairs need that the surface of domiciles be brought as much as HUD’s Housing Quality Standards (HQS) and Clackamas County’s minimal rehab standards.
  • Loans for the purpose that is single restricted to one wellness or security product just.
  • All work needs to be done by Oregon-licensed and bonded contractors.
  • Manufactured domiciles in areas try not to be eligible for financing. (OK for an Accessibility give. )