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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.

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.

Assists 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.

Provides a major rehabilitation deferred loan program, assistance up to $25,000 is available for major repair or renovation of homes which contain several code-related issues or are in need of significant rehabilitation (cosmetics do not qualify). A minor rehabilitation grant program, under this program a grant of up to $12,000 is provided for code-related repairs of an emergency nature which threatens the health or safety of the occupants of the home. An accessibility grant program that provides grant assistance to an income-eligible homeowner or renter of a single-family residence or up to a four-unit complex to eliminate physical barriers which inhibit the use of the dwelling unit by a person with disability. The maximum grant amount is $7,000. 

Offers three types of housing rehabilitation loans, designed to help homeowners who are struggling to get repairs done on their own. The assistance is provided in the form of a forgivable loan to income qualifying applicants and is only available to City residents who own their own house.

- Emergency Assistance Program is open to property owners in any part of the City but is limited to a small number of eligible activities. The program can help with inoperable furnaces/boilers, water heaters, broken water lines or sewer laterals, non-compliant electrical weather heads, severely damaged roofs, and exterior accessibility issues for elderly and disabled persons. This program aims to provide help quickly.

- General Assistance Program exists to help property owners who live in any part of the City. Activities can include a wide range of things including repairs or replacement of principle fixtures and components, water and energy efficient improvements, repair or replacement of water lines or sewer laterals, and improvements to remedy barriers that restrict the mobility and accessibility of elderly or disabled persons. Common exterior items that qualify under this program are roofs, entryways, stairs, and porch repairs. Common interior items that qualify under this program include stairways, plumbing, electrical panels, and mechanical equipment.

- The Home Repair and Accessibility Program (HRAP) is designed to provide financial assistance to homeowners with housing rehabilitation needs. The assistance is provided in the form of a grant to qualified low-to-moderate income homeowners residing within the corporate limits of the City of Rock Island. This program assists income-eligible households with needed home repairs and/or accessibility modifications. Priority will be given to rehabilitation items addressing health and safety hazards and local code violations.

* Full Rehabilitation Projects:

- Income eligible households may utilize up to $50,000 of funds to repair their homes and remove health and safety hazards by replacing costly maintenance items.

* Accessibility Projects:

- Income eligible owner-occupied households with at least one senior or disabled resident, may utilize up to $50,000 of funds for accessibility modifications and removal of health and safety hazards by replacing costly maintenance items.

* Roof Only Projects:

- Income eligible households may utilize up to $25,000 to cover new/repairs for roofs, soffits, gutters, and downspouts. These homes must not have other major health and safety issues.

Through Fremont Habitat’s Home Repair Loan Program, qualified families receive a no-interest loan to help pay for necessary repairs to their homes.

0% interest loans help qualified homeowners afford the repairs they need, with repayment terms to fit their budget.

Regular Repair Program.

Veteran's Repair Program.

Flood Plain Repair Program (special short-term repair program for non-flood related repairs to homes located in the flood plain).

Types of Repairs:

-- Heating, water heaters

-- Roof replacement

-- Windows and interior doors

-- Plumbing

-- Electrical

-- Other repairs may qualify.

Offers a low-interest, revolving loan for households that need financial assistance for unexpected large expenses such as emergency home repair, vehicle repairs, and/or employment-related expenses. Typical financial assistance is under $2,000. Applicants receiving revolving loan assistance will be required to participate in financial literacy courses in addition to repayment of the loan within an agreed-upon timeframe.

Offers a low-interest, revolving loan for households that need financial assistance for unexpected large expenses such as emergency home repair, vehicle repairs, and/or employment-related expenses. Typical financial assistance is under $2,000. Applicants receiving revolving loan assistance will be required to participate in financial literacy courses in addition to repayment of the loan within an agreed-upon timeframe.

Offers a low-interest, revolving loan for households that need financial assistance for unexpected large expenses such as emergency home repair, vehicle repairs, and/or employment-related expenses. Typical financial assistance is under $2,000. Applicants receiving revolving loan assistance will be required to participate in financial literacy courses in addition to repayment of the loan within an agreed-upon timeframe.

Offers a low-interest, revolving loan for households that need financial assistance for unexpected large expenses such as emergency home repair, vehicle repairs, and/or employment-related expenses. Typical financial assistance is under $2,000. Applicants receiving revolving loan assistance will be required to participate in financial literacy courses in addition to repayment of the loan within an agreed-upon timeframe.

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 a low-interest, revolving loan for households that need financial assistance for unexpected large expenses such as emergency home repair, vehicle repairs, and/or employment-related expenses. Typical financial assistance is under $2,000. Applicants receiving revolving loan assistance will be required to participate in financial literacy courses in addition to repayment of the loan within an agreed-upon timeframe.

***This is only to be used as a last resort program and all other resources MUST be used first.

The below steps must be followed to access the Unmet Needs program:

1. Connect with Prairieland United Way. United Way will direct those in need to available resources from food, to housing, and utilities.

2. Use the Salvation Army of Jacksonville. When there are no more resources available through United Way partner organizations, the Salvation Army is equipped to meet a variety of emergency needs.

3. Once the Salvation Army has exhausted all of their program options, they will reach out to the Unmet Needs program on behalf of the person in need. This program can help with rent or utility assistance, home repairs, medical (outstanding bills, ambulance services, eyeglasses, even bus passes to get to medical appointments), and transportation/car repair.

Offers a low-interest, revolving loan for households that need financial assistance for unexpected large expenses such as emergency home repair, vehicle repairs, and/or employment-related expenses. Typical financial assistance is under $2,000. Applicants receiving revolving loan assistance will be required to participate in financial literacy courses in addition to repayment of the loan within an agreed-upon timeframe.

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.

Offers to connect youth and families to a wide range of resources and support to address immediate needs and foster long-term stability. Navigators work to bridge service gaps by facilitating partnerships among agencies and providing flexible funding for essential needs such as rent, utilities, transportation, work clothing, medical expenses, mental health care, and minor home repairs. 

The initiative aims to reduce unnecessary involvement in child welfare and juvenile justice systems while enhancing informal and community supports. Participants are matched with resources to resolve urgent issues or establish ongoing coaching relationships. Services are open to anyone, with a focus on youth and families experiencing multiple needs, including housing, basic life skills, parenting, and employment readiness.

Offers a low-interest, revolving loan for households that need financial assistance for unexpected large expenses such as emergency home repair, vehicle repairs, and/or employment-related expenses. Typical financial assistance is under $2,000. Applicants receiving revolving loan assistance will be required to participate in financial literacy courses in addition to repayment of the loan within an agreed-upon timeframe.

Provides ramps and other modifications to increase accessibility for disabled homeowners and renters. For minor home repairs services include repairing condemned furnaces, faulty wiring, or actively leaking roofs. Major home repairs provide funds in the form of forgivable deferred loans to correct health and safety code violations, including lead-based paint hazards for single-family dwelling units located in low-income census tracts. Get the Lead Out program and Health Home Production awards housing funds to qualified applicants to help cover the cost of lead hazard remediation. This program is available to owner-occupied homes and privately-owned rental properties. 

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.

Basic Needs Assistance Program is designed to meet the emergency needs of low-income individuals age 60 or over. Funds are available for material aid: for emergency needs such as rent payment assistance, utility bills, eyeglasses, prescription medications, and minor home repairs. The limit for a request is $400 every 2 years. If a service or funds are available elsewhere the assistance will not be approved until all resources have been explored. Assistance can only be issued when funding is available.

Emergency assistance program for residents who experienced disaster damages related to fire damage.

Offers a low-interest, revolving loan for households that need financial assistance for unexpected large expenses such as emergency home repair, vehicle repairs, and/or employment-related expenses. Typical financial assistance is under $2,000. Applicants receiving revolving loan assistance will be required to participate in financial literacy courses in addition to repayment of the loan within an agreed-upon timeframe.

Supports minor to moderate owner-occupied home repairs for seniors, veterans, and persons with disabilities. All home repairs are eligible; budget per home is up to $40,000. Repairs are provided at no cost to the homeowner, with no liens recorded or ongoing financial requirements.

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.

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.