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.

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

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.

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

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.

Economic Development Department offers a home rehabilitation assistance program that provides loans up to 40 percent or a maximum of eight thousand dollars for the repair project. Funds can be used for roof repairs, exterior door and window replacements, water and sewer line/septic system repair or replacement, electrical work and furnaces.

Provides financial assistance to owner-occupants city-wide for home rehabilitation like electrical hazards, plumbing sanitation or leak issues, faulty heating/roofing items (does not include help with mobile homes).

Offers various programs to help with financing and mortgage payment assistance. Families and individuals have the opportunity to buy, build, repair, or own safe and affordable homes located in rural America.

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.

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.

Planning and zoning services, business, redevelopment and housing assistance, building permits and inspections, animal control and code compliance.

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

Provides unique lending programs and other services to facilitate targeted neighborhood revitalization in Polk County and Cedar Rapids, Iowa, through partnerships with residents, governments, community-based organizations and the business community.

Owning a home can bring safety, stability, and comfort, but repairs can be costly.
We understand that pulling together the cash for a major repair may not be possible for all homeowners. Our Home Preservation Program makes repairs affordable for low-income homeowners, allowing them to get work done now and pay for it later - sometimes years down the line.

Homeowners are invited to apply for the program and are accepted based on their household income and assessed home value.

Repair services fall under four distinct categories:
- Exterior Repairs (such as roofs and siding)
- Critical Home Repair (such as furnaces and water heaters)
- Weatherization (such as windows and insulation)
- Accessibility (such as ramps, grab bars, and bath modifications)

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.

Grant program to correct critical repairs that threaten the health, safety, and welfare of very-low income households.

Eligible repairs include:
-- Heating systems (furnaces)
-- Replacement of faulty water heaters
-- Repair exterior water service lines
-- Electrical problems with the electrical service on the exterior (outside) of homes

Provides unique lending programs and other services to facilitate targeted neighborhood revitalization in Polk County and Cedar Rapids, Iowa, through partnerships with residents, governments, community-based organizations and the business community.

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.

Offers financial assistance to homeowners to help with housing repairs and correcting code violations.

Requirements:
1) must be located within the Polk County portion of the participating cities.
2) the property to be assisted must be the homeowner's primary residence and a single family structure.
3) property taxes and/or mortgage payments must be current and paid to date and there cannot be any mechanics liens on the property to be assisted.
4) income limits of the household must fall at or below 80% of the Area Median Income (AMI) for Polk County. Priority is given to households at 50% or less of the Area Median Income.

Program Eligible Activities include:
1) Basic structural repairs: (a) exterior walls (b) roof and roof structure (c) foundation (d) floor joists and ceilings
2) Building systems: (a) electrical (b) plumbing (c) heating
3) Weatherization: (a) insulation (b) windows (c) siding
4) Handicap Accessibility: (a) exterior ramp (b) bathroom facilities

Through Green Iowa Americorp the city offers zero-interest loans up to $6,000 to income-eligible homeowners for energy-efficient improvements such as new furnaces or upgrades to heating systems, new windows, insulation, and/or weatherproofing. Funds are limited.