The City has set aside funds to loan low income single family owner occupied family homes for need repairs to keep their homes in a satisfactory livable condition. Loans for home repairs are available up to $8,500 at 3% simple interest. The loan will be paid back with interest to the City any time the home is sold, deed transferred, or the owner no longer lives in the home. City residents living in homes built before 1990 may apply for assistance with their home repairs when they meet the following requirements:
o Proof of income with in the HUD Low Income of 80% of Median for Riverside County (see chart below). Check this first, if over the limit you are NOT eligible.
o Provide a copy of the property Deed
o Provide a copy of the most recient Income Tax Return and/or the 3 most recient pay stubs
o Provide a copy of their drivers license or I.D. card
o Provide proof of insurance
o Provide proof that the property taxes are paid up to date
o Provide a completed housing rehabilition application
o The home is located in selected eligible area in side the City Limits. The eligible area is with in the boarders of Cholla on the West, Ocotillo on the East, 8th Street on the North, and Two Bunch Palms on the South.
Chart of HUD Income Range for Riverside County and DHS for 2004
Houshold Size Low Income Range (80% of HUD Median)
1 Person 0 to $30,400.
2 Persons 0 to $34,750.
3 Persons 0 to $39,100.
4 Persons 0 to $43,450.
5 Persons 0 to $46,900.
6 Persons 0 to $50,400.
7 Persons 0 to $53,850.
8 Persons 0 to $57,350.
The City has contracted with an Independent consultant to contact interested homeowners and help determine if they are eligible. The consultant will contact homeowners by phone or in person.
Interested homeowners should call 329-6411 extension 327 and leave a voicemail with their name, phone number, address, and an expression of interest in the Rehab Loan Program. The consultant will return your call with in a few days of your call. He will schedule a face to face interview at your home to collect the required documentation, inspect the repairs you are requesting, and help you with prioritize the most important items to be accomplished. It is important for the home owner to have as much of the required documentation available as possible for the interview. No requests or estimates for work can proceed until all of the documentation is provided to determine the eligibility.
Once it is determined that the homeowner is eligible:
1. The consultant will prepare requests for estimates and contact at least three contractors (about a week)
2. The consultant will start preparing the agreement/loan papers for the homeowner to sign and notarize (about a week)
3. The consultant will prepare a reservation for funds and submit it to the City's Finance Department
4. The consultant will enter into the tracking datadase the client's information and any necessary notes (about a week for 3 & 4 combined while waiting for the estimates)
5. Once the estimates are received, (this may take 3 to 4 weeks) a contractor is selected.
6. The consultant will schedule another interview with the homeowner to sign the contractor's contract, and the City's agreement/loan papers (about a week)
7. The consultant will prepare and send to the contractor an authorization to proceed with the work with in a certain time period (about a week)
8. The contractor will complete the work and submit a invoice to the homeowner and consultant. The consultant and City inspectors will inspect the work (about 2 weeks)
9. The consultant will submit a request for payment with instructions to Finance when the work passes all of the inspections (about a week)
10. The check to the contractor is usually prepared two to three week after the check request is submitted to Finance by the consultant. The contractor is paid (about 2 to 3 weeks)
11. Documents are recorded. The database in updated. The client's file is finished and closed (about a week)
WORK NOT ALLOWED IN THIS PROGRAM:
Fences, walls, windows, fountains, septic tanks, sewer hook-ups.
For an application call 329-6411 extension 381 and leave a voicemail with your name, address and phone number...or you can email randkinnick@yahoo.com with "Front Yard" in the subject line.
Click here for details on the Sewer Hook-up Program.
For more information or application send your name, address, phone number by email to randkinnick@yahoo.com