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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.

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.

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.

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.