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HOUSING SERVICES | NEIGHBORHOOD FINANCE CORPORATION

Provides sustainable homeownership, home renovations, and revitalizes neighborhoods through collaborating partnerships.

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HOME REHABILITATION PROGRAM | USDA RURAL DEVELOPMENT - IOWA

Provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards.

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HOME REHABILITATION PROGRAM | USDA RURAL DEVELOPMENT - IOWA

Provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards.

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IMPROVING OUR NEIGHBORHOOD (ION) - EXTERIOR HOMEOWNER REPAIRS | DES MOINES CITY OFFICES

The ION team works with homeowners to make external repairs, connect to resources, and navigate the home repair system. Will also collaborate with partner organizations such as Habitat for Humanity, Rebuilding Together, Polk County Emergency Repair, and Neighborhood Finance Corporation to get repairs done.

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HOME REHABILITATION PROGRAM | USDA RURAL DEVELOPMENT - IOWA

Provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards.

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NORTHEAST IOWA REGIONAL HOUSING TRUST FUND | UPPER EXPLORERLAND REGIONAL HOUSING AUTHORITY

The Northeast Iowa Regional Housing Trust Fund will assist individuals, community organizations, non-profit and for-profit developers in rehabilitation, repair, and creation of projects that improve the condition of, or contribute to the development of both rental and owner occupied affordable housing in the four county region. Additional assistance will be available for first-time homebuyers for down payment, closing costs and, if necessary, rehabilitation in conjunction with home purchase. Priority will be given to projects addressing repair and rehab issues in aging housing that benefit low income level residents. (i.e. plumbing, electrical, roofing, structural, energy efficiency, lead paint issues and handicap accessibility). The Board will consider both owner-occupied and rental properties, with loan details varying depending on the applicant’s situation, as detailed in the program guidelines.

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RURAL DEVELOPMENT | USDA RURAL DEVELOPMENT - NEBRASKA

Loan provider in rural areas.

Business and Industry Loan Guarantees are available for business and industrial development in rural areas to create and maintain employment, expand and to improve economic climate.

Community Facilities Direct and Guaranteed Loans and Grants are available for community service facilities in rural areas such as libraries, clinics, fire and rescue buildings and equipment, etc.

Cooperative Services helps rural residents form new cooperatives and multiple owner businesses and improve operations of existing cooperatives in rural areas.

Direct and Guaranteed Home Ownership provides loans to purchase or construct single family homes in rural areas for very low/low/moderate income households.

Direct Farm Labor Housing Loans and Grants provide housing and related facilities in rural areas for domestic farm laborers.

Distance Learning and Telemedicine Loans and Grants provide for technology equipment and facilities for linking rural schools within regions, linking schools to other educational institutions, utilizing rural libraries as distance learning centers, linking rural hospitals and medical clinics to major medical centers, interactive video, and distance rural health training.

Energy Efficiency Improvements and Renewable Energy Systems provide grant assistance in development of renewable energy and energy efficiency improvement projects. Renewable systems include wind, solar, biomass, and geothermal. Energy efficiency improvements include energy improvements to business facility including insulation, windows, doors, HVAC, refrigeration, lighting, pumping/air/motor systems, etc.

Housing Preservation Grants offers funding to selected recipient organization to develop program to help repair individual housing, rental properties or coops in rural areas owned and/or occupied by very low and low-income households.

Intermediary Re-Lending Program provides loans to ultimate recipients for community development projects, establishment and expansion of businesses, and creating and/or saving jobs in rural areas.

Rural Cooperative Development Grants establish and operate cooperative development centers in rural areas primarily to improve economic conditions of rural areas via development of new cooperatives and multiple owner businesses and improving existing co-ops' operations.

Rural Business Development Grants are competitive grants designed to support targeted technical assistance, training, and other activities leading to the development or expansion of small and emerging private businesses in rural areas that have fewer than 50 employees and less than $1 million in gross revenues.

Rural Economic Development Loans and Grants provide for a wide range of rural economic development projects in rural areas such as business expansion and start-up, community development, etc.

Rural Home Repair Loans and Grants assist homeowners, occupying dwellings in rural areas, to complete necessary repairs to their homes.

Rural Housing Site Loans provide loans in rural areas to purchase land and develop sites for very low/low/moderate-income housing.

Solid Waste Management Grants are used to reduce or eliminate pollution of water resources in rural areas and improve planning and management of solid waste sites in rural areas.

Technical Assistance and Training Grants are used to identify and evaluate solutions to water and wastewater problems of associations in rural areas relating to water source, storage, treatment and distribution; and waste collection, treatment and disposal.

Value-Added Producer Grants help eligible producers of agricultural commodities in rural areas to develop business plans for viable marketing opportunities and develop strategies to create marketing opportunities in emerging markets.

Water and Waste Dispos

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SENIOR HOME REPAIR | COMMUNITY ACTION OF SOUTHEAST IOWA

Safety repairs and modifications to allow home owning seniors to safely remain in their residence. Applications are taken for those over 60 who are low income. Funding for large or cosmetic repairs is not available. Applicants may qualify for furnace repair or replacement if needed through other funding.

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HOMEOWNERSHIP ASSISTANCE | NEIGHBORWORKS NORTHEAST NEBRASKA

Assistance with home purchase down payments, closing cost payment, purchase, rehabilitation and resell of homes, and new construction.

NeighborWorks is also a packager for USDA-D home loans.

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RURAL DEVELOPMENT | USDA RURAL DEVELOPMENT - ILLINOIS

Provides programs to build or improve housing, essential community facilities, and support business financing in rural areas of Illinois.

Programs available:

- Single-Family Housing Programs: Direct loans or loan guarantees for low- and moderate-income rural families for mortgages and home repairs. Additionally, grants are available for health and safety repairs for individuals over 62.

- Multi-Family Housing Programs: Loans for affordable rental housing for very-low- to moderate-income residents, the elderly, and people with disabilities. Funds may also be used to buy or improve land and provide necessary facilities such as water and waste disposal systems. Rent assistance is available for rural residents.

- Community Facilities Programs: Loans, grants, and loan guarantees for essential community facilities in rural areas, with priority given to health care, education, and public safety projects.

- Business Financing Programs: Financial support, including loans and grants, for individuals or groups seeking to establish or expand businesses in rural areas.

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HOUSING REHABILITATION AND LEAD BASED PAINT REDUCTION PROGRAMS | MOLINE CITY OFFICES

Home rehabilitation for those in owner-occupied housing in Moline. (As of 2020, there is a waiting list of approximately 50 households, or about one year.)

Lead Based Paint Reduction Program tests homes for lead based paint. Can scrape, prime, and paint surfaces and/or replace windows if needed.

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SENIOR HOME REPAIR | COMMUNITY ACTION OF SOUTHEAST IOWA

Safety repairs and modifications to allow home owning seniors to safely remain in their residence. Applications are taken for those over 60 who are low income. Funding for large or cosmetic repairs is not available. Applicants may qualify for furnace repair or replacement if needed through other funding.

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HOMEOWNERSHIP ASSISTANCE | NEIGHBORWORKS NORTHEAST NEBRASKA

Assistance with home purchase down payments, closing cost payment, purchase, rehabilitation and resell of homes, and new construction.

NeighborWorks is also a packager for USDA-D home loans.

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RURAL DEVELOPMENT | USDA RURAL DEVELOPMENT - ILLINOIS

Provides programs to build or improve housing, essential community facilities, and support business financing in rural areas of Illinois.

Programs available:

- Single-Family Housing Programs: Direct loans or loan guarantees for low- and moderate-income rural families for mortgages and home repairs. Additionally, grants are available for health and safety repairs for individuals over 62.

- Multi-Family Housing Programs: Loans for affordable rental housing for very-low- to moderate-income residents, the elderly, and people with disabilities. Funds may also be used to buy or improve land and provide necessary facilities such as water and waste disposal systems. Rent assistance is available for rural residents.

- Community Facilities Programs: Loans, grants, and loan guarantees for essential community facilities in rural areas, with priority given to health care, education, and public safety projects.

- Business Financing Programs: Financial support, including loans and grants, for individuals or groups seeking to establish or expand businesses in rural areas.

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HOUSING PRESERVATION | COMMUNITY ACTION PARTNERSHIP OF WESTERN NEBRASKA

Housing preservation in Cheyenne, Deuel, Garden, and Kimball Counties to bring owner-occupied homes up to code. May provide repairs to electrical, plumbing, heating, structural, and thermal systems. Some cosmetic projects are allowed with the grant.

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RURAL DEVELOPMENT | USDA RURAL DEVELOPMENT - ILLINOIS

Provides programs to build or improve housing, essential community facilities, and support business financing in rural areas of Illinois.

Programs available:

- Single-Family Housing Programs: Direct loans or loan guarantees for low- and moderate-income rural families for mortgages and home repairs. Additionally, grants are available for health and safety repairs for individuals over 62.

- Multi-Family Housing Programs: Loans for affordable rental housing for very-low- to moderate-income residents, the elderly, and people with disabilities. Funds may also be used to buy or improve land and provide necessary facilities such as water and waste disposal systems. Rent assistance is available for rural residents.

- Community Facilities Programs: Loans, grants, and loan guarantees for essential community facilities in rural areas, with priority given to health care, education, and public safety projects.

- Business Financing Programs: Financial support, including loans and grants, for individuals or groups seeking to establish or expand businesses in rural areas.

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HOUSING FUND | REGION XII COUNCIL OF GOVERNMENTS

Housing Fund (Rehab) - Loans are available to income-qualified homeowners in Region XII COG communities for home repairs to eliminate health and safety hazards, including windows, doors, roofs, furnaces, etc.

Housing Fund (down-payment) - Loans are available to income-qualified homeowners in Region XII COG communities for down-payments required for the client to qualify for a commercial loan.

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RURAL DEVELOPMENT | USDA RURAL DEVELOPMENT - ILLINOIS

Provides programs to build or improve housing, essential community facilities, and support business financing in rural areas of Illinois.

Programs available:

- Single-Family Housing Programs: Direct loans or loan guarantees for low- and moderate-income rural families for mortgages and home repairs. Additionally, grants are available for health and safety repairs for individuals over 62.

- Multi-Family Housing Programs: Loans for affordable rental housing for very-low- to moderate-income residents, the elderly, and people with disabilities. Funds may also be used to buy or improve land and provide necessary facilities such as water and waste disposal systems. Rent assistance is available for rural residents.

- Community Facilities Programs: Loans, grants, and loan guarantees for essential community facilities in rural areas, with priority given to health care, education, and public safety projects.

- Business Financing Programs: Financial support, including loans and grants, for individuals or groups seeking to establish or expand businesses in rural areas.

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HOME REHABILITATION | REGION 6 PLANNING COMMISSION - PEOPLERIDES

Provides home rehabilitation/small repairs to those in need through the Housing Trust Fund. Improvements/repairs can include roofing improvements, siding, window and door improvements, other exterior repairs and furnace replacement.

Applications will be accepted continuously, placed on a waiting list, and reviewed on a first-come, first served basis as funding is available.

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HOME MODIFICATION AND REPAIR LOANS | ABLE UP IOWA

Offers affordable loans to individuals with disabilities and seniors to help acquisition of assistive technology, home repairs relating to health and safety (not home improvements to increase the value of the home), service animals, and employment tools. Also offers if qualified a forgivable loan for assistive technology. Offer a sliding scale interest rate ranging from 9-0% based on eligibility.

Most loans have flexible terms, up to 5 years. Most loans are capped at $2,500. Assistive technology loans may go up to $10,000, but there may be a waitlist for loans over $2,500.

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HEALTHY HOME REPAIRS | CERRO GORDO COUNTY PUBLIC HEALTH

Offers to help homeowners with disabilities or those who are 62 years of age or older with home repairs to help to make homes safe. Home repairs focus on Radon testing and mitigation, general home repairs, electrical work, plumbing, and new paint. Other home repair needs considered on a case by case basis. Must meet program guidelines to be eligible. Call or visit the website to learn more.

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RURAL DEVELOPMENT | USDA RURAL DEVELOPMENT - ILLINOIS

Provides programs to build or improve housing, essential community facilities, and support business financing in rural areas of Illinois.

Programs available:

- Single-Family Housing Programs: Direct loans or loan guarantees for low- and moderate-income rural families for mortgages and home repairs. Additionally, grants are available for health and safety repairs for individuals over 62.

- Multi-Family Housing Programs: Loans for affordable rental housing for very-low- to moderate-income residents, the elderly, and people with disabilities. Funds may also be used to buy or improve land and provide necessary facilities such as water and waste disposal systems. Rent assistance is available for rural residents.

- Community Facilities Programs: Loans, grants, and loan guarantees for essential community facilities in rural areas, with priority given to health care, education, and public safety projects.

- Business Financing Programs: Financial support, including loans and grants, for individuals or groups seeking to establish or expand businesses in rural areas.

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HOUSING REHABILITATION PROGRAM | EAST CENTRAL IOWA COUNCIL OF GOVERNMENTS

Provides grants for home improvements such as roofing, deck repair, window replacement, sidewalk repair, handrails, and handicap accessible ramps.

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HOME REHABILITATION PROGRAMS | DUBUQUE CITY OFFICES

Accessibility Rehabilitation Program provides a three year forgivable loan to property owners and homeowners to make their home handicap accessible. Homeowner Rehabilitation Loan Program provides low interest, long term loans up to $25,000 to homeowners to rehabilitate their homes. Home Repair Program provides a no interest loan to qualified homeowners to make repairs like painting, siding, roofing, windows, etc.

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HOUSING SERVICES | NEIGHBORHOOD FINANCE CORPORATION

Provides sustainable homeownership, home renovations, and revitalizes neighborhoods through collaborating partnerships.

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