Home > HomeWise > Eligible Home Repairs & Improvements

The Home Repair Loan provides low-interest (3%) loans to repair owner-occupied, single family homes with low to moderate income households. These loans are funded by a variety of local and federal programs which prioritize health and safety repairs. Homeowners are given as much flexibility as possible, but work items which threaten the health of the occupants or the integrity of the structure must be corrected before other work is started. HomeWise staff will assist you in understanding these priorities and making your project work for you.

Eligible Home Repairs & Improvements Include:

• Accessibility needs and modifications
• Additions, if warranted by HUD Housing Quality Standards
• Appliances, if existing ones are nonfunctional, inefficient, or in very poor condition. No washers or dryers.
• Bathroom Repair
• Brick or masonry repair
• Chimney repair
• Cleanup interior debris (for code violations)**
• Door and window repair or replacement (if in poor condition)
• Driveway/walkway repair**
• Electrical upgrades
• Earthquake retrofit
• Floor repair and covering
• Foundation repair or replacement
• Furnace/boiler repair or replacement
• Gutter repair or replacement
• Hazardous materials abatement
• Hot water heater repair or replacement
• Insulation/Weatherization/Air sealing
• Kitchen repair
• Paint, interior and exterior
• Plumbing repair
• Porch repair or replacement
• Retaining wall repair (for code violations, or if hazardous)**
• Roof repair or replacement
• Security modifications
• Sewer repair
• Siding (if in poor condition)
• Structural repair
• Water line repair or replacement
  
  . . . Other repairs as necessary to meet program goals

** Only if relatively minor amount of total loan is spent on this item (i.e. no more than 10%)

The loans start at $3000, have a 3% interest rate and a term of up to 20 years.

For very low income homeowners, a deferred payment loan (no monthly payments) may be possible, with the principal gathering only simple interest. One of our loans can help you live in a safer, healthier home.

Call (206) 684-0244 or e-mail HomeWise for a prescreening to see if you qualify.