Residence repair loans assist low-income homeowners pay money for required and repairs that are critical. 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 energy expenses and use.
We provide loans to low-income homeowners for needed and critical house repairs and little funds to low-income individuals with disabilities to create their houses more accessible. Loans and funds now available and limits that are income the following.
Fill out an inquiry to discover if you should be qualified!
For low-income people with physical disabilities to boost safety and access(some tenants might not be qualified): Accessibility funds
For low-income property owners: Home Fix Loans
When you yourself have other quesitons, e-mail us or call 503-655-8591.
How exactly does the Housing Rehabilitation Program work?
This system provides loans that are low-interest funds to assist home owners in Clackamas County repair their domiciles and enhance accessibility.
Procedures to have house fix loan or accessibility grant:
- Complete an inquiry that is on-line phone our office for support. If it seems perhaps you are qualified we shall include one to the waiting list. Whenever money can be acquired, we shall deliver you a page. If you’re nevertheless interested, you might then use.
- We are going to review your determine and application eligibility.
- If you qualify, a Rehab Advisor will examine your premises to ascertain exactly exactly what repairs are essential. Safety and health things are really a concern.
- You shall request bids from contractors of one’s option. A summary of interested contractors is present for the convenience.
- Your Rehab Advisor will help you through the entire 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 expense of increasing access and security. Types 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 very least 51 % for the devices into the framework must certanly be occupied by low-income households. )
Home Fix Loans
| Max. Loan | |
| Single Purpose wellness or security product just. Examples: water/well, septic/sewer, heat or roof. Main temperature supply only — woodstoves & pellet stoves are thought a heat source that is secondary. (No equity needed. ) | $15,000 |
| Outside Repairs Examples: Roof/Gutters, Paint, Weatherization, Windows/Doors, Foundation. (Credit and equity demands apply. ) | $25,000 |
| Complete Repairs Complete home repairs must fulfill Community developing rehab standards. | $35,000 |
Fundamental loan needs
House should be positioned in Clackamas County and needs to be looking for fix
Deferred Payment Loan (DPL) terms
Minimal 3% per year simple interest. Re re Payments are deferred — no monthly obligations. Deferred so long as home owner life in house, or until offered, title transmitted, refinance, or modification of good use. Loans are guaranteed by lien on home.
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 income, as based on HUD. The limits that are current apply to loans and funds 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 currently soliciting for contractors whom could be thinking 
about putting in a bid on tasks into the Housing Rehabilitation Loan Program. Contractors on our list must certanly be licensed, fused and registered with all the continuing State of Oregon Construction Contractors Board and possess experience in housing rehabilitation.
We try not to suggest or endorse any contractors. Contractors in the HUD debarred list aren’t entitled to use.
If you’re enthusiastic 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 lead-based paint.
Applications and supporting papers may 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 perhaps purchasing property and needs to be in name
- Owner must reside in home
- Home fees needs to be present
- Applicant should have equity that is sufficient
- Loans for outside 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 the single purpose are restricted to one health or security product just.
- All work needs to be done by Oregon-licensed and bonded contractors.
- Manufactured homes in areas usually do not be eligible for that loan. (OK for an Accessibility give. )