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Housing Rehabilitation Loan Program

Does your home need some work?

The Housing Rehabilitation Loan program is available to low and moderate-income homeowners for taking care of health, safety, and maintenance issues with their existing homes.

Call Today: 541-963-3186

Or Continue Online

Housing Rehabilitation Loan Inquiry Form

What is the Housing Rehabilitation Loan program?

This program comes from both federal grants and local revolving loan funds to provide suitable living environments and expand economic opportunities for low and moderate-income households.

Repairs may include, but are not limited to:

Plumbing

Electrical

Structural repair

Roof Repair/Replacement

Siding

Paint

Windows/Doors

Insulation

HVAC

Frequently Asked Questions

How do I pay for these repairs?

This a loan program and qualified applicants will have a lien recorded against their homes in the amount of construction and loan fees. The loan is interest-free and requires no repayment as long as the borrower is living in the home. Repayment is required when the borrower moves out of the home, sells the home, or is deceased. Repayment is only accepted as a lump-sum payment. Early repayment is accepted.

What are the eligibility guidelines?

  • Must own or be buying your home
  • Real market value of home must not exceed $250,000
  • Manufactured homes built after 1976 will be considered if they are on the resident’s property and de-titled
  • Owner must have sufficient equity
    • Your home value must be greater than outstanding home loan by enough to fund the project and leave some equity in the home
  • Homes in a flood hazard area must have and maintain flood insurance for the life of the loan

Brief overview of the rehabilitation process

  1. Pre-Application
    • Processed by Community Connection, including:
      • Initial screening of applicant income
      • Initial screening of home value and equity status
  2. Full Application
    • Processed by Community Connection, including:
      • Property title search for other encumbrances, such as tax liens or judgements
      • Flood hazard determination
      • Credit report
      • Proof of income
      • Proof of insurance
  3. Home Audit
    • Home inspection by the Community Connection auditor/inspector, including:
      • Thorough inspection of home
      • Interview with homeowner
      • Create a list of necessary and eligible repairs and improvements
      • Photographs of home
      • State historic preservation office review
      • Project review by local building department
  4. Contractor Bidding
    • Homeowner send completed bid sheets to local contractors for bidding
    • Contractors submit big to either homeowner or Community Connection
    • Homeowner chooses successful bidding contractor
  5. Construction Contracts and Loan Documents
    • Construction contract and accompanying documents signed
    • Loan documents signed, notarized, and recorded
  6. Construction
    • Contractor will have 90 days to complete contracted work
    • In-progress and final inspections performed by Community Connection’s auditor
    • Inspections on permitted activities by local building official or inspector

Where can you call or apply for housing rehabilitation?

Picture of the CCNO administration building

CCNO Admin Building

2802 Adams Ave, La Grande, OR
541-963-3186

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