Frequently Asked Questions
Question (Q): What type of repairs can I have done to my home?
Answer (A): Quality of life repairs are those that the CDBG program qualifies for. These types of repairs include roofing, plumbing, sewer, foundation, electrical work, handicap needs, etc.
Q: What types of repairs are not eligible for this program?
A: Cosmetic improvements are strictly prohibited in this program. This includes fencing, flooring, cabinets, and other aesthetic improvements.
Q: Will I have to pay the loan back?
A: Yes. The rehabilitation loan is a soft second mortgage. This type of loan is designed so that if the signee(s) pass away, or the homeownership is transferred in any way, the lien will become due immediately. The lien must be paid off in full, we are unable to accept payments.
Q: How long does this process take?
A: Depending on the number of applications received and those within the pipeline, the process could take two to six months. It is not a quick program. An exact timeline cannot be given, but we can assure that each application will be considered.
Q: Can I use my own contractor for a repair at my home?
A: We will provide the eligible contractor.