Residence Fix Loans and Residence Accessibility Grants

Residence repair loans assist low-income homeowners pay money for needed 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 energy that is incorporate measures that reduce power expenses and use.

We offer loans to low-income homeowners for required and critical house repairs and little funds to low-income people with disabilities in order to make their houses more available. Loans and grants now available and income restrictions are given just below.

Fill in an inquiry to learn if you’re qualified!

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

For low-income home owners: Home Fix Loans

Us or call 503-655-8591 if you have other quesitons, email.

How exactly does the Housing Rehabilitation Program work?

This program provides loans that are low-interest funds to aid home owners in Clackamas County repair their domiciles and enhance accessibility.

Procedures to acquire house fix loan or accessibility grant:

  1. Complete a online inquiry or phone our office for support. You may be eligible we will add you to the waiting list if it appears. Whenever money can be acquired, we shall give you a letter. If you’re nevertheless interested, you may possibly then use.
  2. We’re going to review your application and figure out eligibility.
  3. In the event that you qualify, a Rehab Advisor will examine your home to find out just just what repairs are essential. 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 process.

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 expense of enhancing access and security. Types 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 tenants in flats, at the least 51 % regarding the devices into the framework must certanly be occupied by low-income households. )

Residence Fix Loans

Max. Loan
solitary Purpose wellness or security product only. Examples: water/well, septic/sewer, roof or temperature. Main heat supply just — woodstoves & pellet stoves are thought 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 satisfy Community developing rehab standards. $35,000

Fundamental loan demands

House should be positioned in Clackamas County and must certanly be looking for fix

Deferred Payment Loan (DPL) terms

Minimal 3percent per simple interest year. Re Payments are deferred — no monthly obligations. Deferred provided that homeowner life in house, or until offered, name moved, refinance, or modification of good use. Loans are guaranteed by lien on property.

Current yearly gross income limits effective June 28, 2019

Family members’s yearly revenues must be significantly less than 80% associated with the County’s median earnings, as dependant on 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 currently soliciting for contractors whom could be enthusiastic about putting in a bid on tasks within the Housing Rehabilitation Loan Program. Contractors on our list should be certified, bonded and registered utilizing the continuing State of Oregon Construction Contractors Board and possess experience with housing rehabilitation.

We usually do not suggest or endorse any contractors. Contractors regarding the HUD debarred list aren’t entitled to apply.

If you’re enthusiastic about working together with our system, please finish the specialist information application and return to your workplace. Please include copies of your CCB registration, insurance 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 at 503-655-8591 if you have any questions or need additional information.

  • Applicant must have or be property that is buying must certanly be in name
  • Owner must reside in home
  • Home fees must certanly be present
  • Applicant should have enough equity
  • Loans for exterior 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 a solitary function are restricted to one wellness or security product just.
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  • All work needs to be done by Oregon-licensed and bonded contractors.
  • Manufactured domiciles in areas try not to be eligible for that loan. (OK for an Accessibility give. )
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