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The programs and resources listed below help homeowners with home repairs and improvements.

	Nebraska Energy Office - provides low interest loans to fund energy efficient modifications for homeowners
	Assistive Technology Partnership - online application for assistance in locating home repair and modification programs
	Nebraska Community Action Agencies - some Community Action Agencies have low-interest loan or grant programs to assist homeowners with repairs or renovation to their homes   Blue Valley Community Action - Butler, Fillmore, Gage, Jefferson, Polk, Saline, Seward, Thayer, and York counties   Central Nebraska Community Services - Blaine, Boone, Boyd, Brown, Colfax, Custer, Garfield, Greeley, Hall, Hamilton, Holt, Howard, Keya Paha, Loup, Merrick, Nance, Platte, Rock, Sherman, Valley, and Wheeler counties   Community Action Partnership of Mid-Nebraska - serving a 27-county area of central Nebraska   Panhandle Community Services - Banner, Cheyenne, Deuel, Garden, Kimball, Morrill, and Scotts Bluff counties
	Northeast Nebraska Economic Development District - serving the 16-county on Northeastern Nebraska
	Southwest Nebraska Community Betterment - Perkins, Chase, Hayes, Hitchcock, and Dundy counties
	Nebraska Affiliates of Habitat for Humanity - through volunteer labor, builds and rehabilitates houses for families in need
	Veterans Affairs Regional Loan Center - loans and grants to qualifying veterans to adapt an existing dwelling to meet specific needs
	USDA Rural Development Office - home improvement loans and grants to low-income homeowners in rural areas
	Community contacts - find out if your community offers home repair assistance
	Make your home more energy efficient

Programs by City/Town

	Bellevue
	Grand Island
	Hastings   Housing Development Corporation 301 S. Burlington Ave. Hastings, NE 68902-1005 Phone: (402) 461-8407 Email Contact: Linda Addison, Executive Director
	Lincoln:   City of Lincoln   Neighborhoods, Inc.
	Norfolk
	Omaha

Other Local Resources

	Housing counseling agencies - member organizations provide housing and income management counseling
	Find your local Better Business Bureau - check out contractors before starting home repairs
	Attorney General's Consumer Protection Division - if you have a complaint against a contractor

The programs and resources listed below help homeowners with home repairs and improvements.

	Neighborhood Preservation Act - state tax credit program for residential rehabilitation and construction costs of properties in distressed communities
	Delta Area Economic Opportunity Corporation - home repairs assistance for low-income homeowners in Dunklin, Mississippi, New Madrid, Pemiscot, Scott and Stoddard counties
	Regional Planning Commissions - some of Missouri's Regional Planning Commissions administer State-funded homebuyer or home repair assistance programs
	Northland Housing Resources – North Kansas City information on housing-related programs and services such as first time homebuyer opportunities, home repair programs, senior housing, home maintenance education, and homebuyer financial education.
	Missouri Affiliates of Habitat for Humanity - through volunteer labor, builds and rehabilitates houses for families in need
	Veterans Affairs Regional Loan Center - loans and grants to qualifying veterans to adapt an existing dwelling to meet specific needs
	USDA Rural Development Office - home improvement loans and grants to low-income homeowners in rural areas
	Community contacts - find out if your community offers home repair assistance
	Make your home more energy efficient

Programs by City/Town

	Columbia
	Ferguson
	Independence
	City of Joplin - citywide loan program for homeowners only, up to $30,000 - contact Brian Ross at (417) 624-0820 ext. 570
	Kansas City   City of Kansas City - offers several homebuyer assistance and home improvement programs   Community Services League
	Kirkwood
	Lee's Summit - up to $10,000 in grant funds available to pay for minor exterior repairs for qualifying individuals - contact Codes Administration at (816) 969-6824
	O'Fallon
	Springfield
	St. Charles
	St. Joseph
	St. Louis   Christmas in April
	St. Louis County
	St. Louis County older resident programs
	St. Peters

Other Local Resources

	Housing counseling agencies - member organizations provide housing and income management counseling
	Find your local Better Business Bureau - check out contractors before starting home repairs
	Attorney General's Consumer Protection Division - if you have a complaint against a contractor

Home Repair Assistance

Home Repair Office
Parks & Community Services
PO Box 90012
Bellevue, WA 98009
Phone: 425-452-6884
E-mail: aoreilly@bellevuewa.gov
Phone: TDD: 425-452-5262

The City of Bellevue Home Repair Program provides low- to moderate-income Bellevue homeowners with zero-interest home loans and grants for health- and safety-related repairs, including:

• Faulty plumbing
• Unsafe electrical wiring
• Poor heating
• Roof repairs
• Rotting gutters or porches/decks
• Earthquake retrofitting

Types of loans and grants available:

1. Deferred Payment Loans - Eligible repairs include health- and safety-related improvements for homeowners who meet low-income guidelines.  The City provides a no-interest loan that does not have to be paid back until the homeowner sells the home or it is transferred to a new owner.  Maximum loan amount is $20,000 for the first year, and up to $35,000 thereafter.
2. Leveraged Loans - Homeowners must meet moderate income eligibility guidelines. The same type of health- and safety-related repairs qualify as for the deferred payment loans. With leveraged loans, the City provides one-half of the cost of the repairs, and the homeowner provides the other half.  This loan is also paid back only when the home is sold or transferred. Maximum loan match with City funds is $17,500.
3. Emergency Grant - Eligible repairs are restricted to health and safety hazards requiring more immediate attention. Homeowners must meet low-income eligibility guidelines. Because this is a grant, not a loan, it does not have to be repaid. Maximum grant award is $1,500.
4. Weatherization Grant - this grant is offered in conjunction with Washington's Energy Match Program. Eligible repairs are restricted to insulation and heating systems. The homeowner is not required to repay the grant amount. Maximum grant award is $3,000.

In addition, the city also offers owners of single-family rental property no-interest, deferred payment loans to make health- and safety-related improvements. The city provides one-half of the cost of repairs, and the property owner provides the other half.  The maximum loan match with the city fund is $8,500.  The renter must qualify as low- or moderate-income for the landlord to qualify for this loan. The loan is paid back when the home is sold or transferred.

Bellevue Cares page - Foreclosure Assistance

Minor home repair assistance, including volunteer assistance with yardwork, is offered by Catholic Community Services Volunteer Chore Services (425-284-2240). Senior Services (206-448-5751) provides low-income homeowners with help fixing leaking faucets and installing smoke detectors or installing locks.

The programs and resources listed below help homeowners with home repairs and improvements.

	Connecticut Housing Investment Fund (CHIF) - home improvement and energy conservation loans
	Connecticut Housing Finance Authority (CHFA) - finance the purchase or the refinance of a home in need of repair
	2-1-1 Infoline - home improvement program information and loan referrals
	Hartford Community Loan Fund - home improvement loans and handicap accessibility grants
	Connecticut Affiliates of Habitat for Humanity - through volunteer labor, builds houses for families in need
	Habitat for Humanity ReStores - discounted used and surplus building materials
	Rebuilding Together, Inc. - assists low-income, elderly and disabled homeowners with home repairs
	Veterans Affairs Regional Loan Center - loans and grants to qualifying veterans to adapt an existing dwelling to meet specific needs
	USDA Rural Development Office - home improvement loans and grants to low-income homeowners in rural areas
	Department of Public Health - lead poisoning prevention program
	Make your home more energy efficient

Programs by City/Town

	Bridgeport
	Bristol
	Coventry
	Enfield
	Fairfield
	Granby
	Greenwich
	Groton
	Hamden
	Hartford
	Manchester
	Meriden
	Middletown
	Milford
	New Britain
	New Haven
	New London
	Newtown
	Putnam
	Stafford
	Stamford
	Stratford
	West Hartford
	Windsor

Other Local Resources

	Office of Consumer Protection - Home Improvement Guaranty Fund
	Attorney General's Office of Consumer Issues - file a complaint against a licensed contractor
	Find your local Better Business Bureau - check out Connecticut contractors before starting home repairs

We help low-income homeowners who need urgent repairs, accessibility modifications, comprehensive rehabilitation or energy-related home improvements by providing funds to local governments and nonprofit organizations which provide these services. We do not provide funding directly to individuals.

If you need help financing necessary home repairs, check the links at the end of each program description below for a local group servicing your area.

Single-Family Rehabilitation Program

If your home needs major repairs and your income is below 80% of the area median income, you may be able to get help from a local organization through our Single-Family Rehabilitation (SFR) Program. We make funds available to local government and nonprofit agencies to facilitate the comprehensive rehabilitation of single-family homes owned and occupied by low-income elderly or disabled people in their area.

If you qualify, you could receive funds in the form of an interest-free, deferred-forgiven loan, forgiven at $3,000 per year, to pay for the necessary rehabilitation of your home. The local organization providing the loan would contract and supervise the work for you.

See a list of organizations and agencies that have participated in the SFR Program.

Urgent Repair Program

If you need emergency repairs and you are elderly or have special needs and your income is below 50% of the area median income, you may be able to get help through the Urgent Repair Program (URP). Local government and nonprofit agencies use URP funds to correct housing conditions that threaten your life or safety, such as failing septic systems, dangerous heating systems, or rotten floors. The program can also pay for ramps and other accessibility modifications that enable you to continue living in your home after an injury or illness, such as a stroke.

As a homeowner, you may qualify for a grant through the URP program if you are elderly, handicapped or disabled, a single parent, have a household of five or more, or have children in your household with elevated blood lead levels.

See a list of organizations and agencies that have participated in the URP Program.

Displacement Prevention Partnership

If your home needs accessibility modifications to enable you to continue living in it after an injury or illness (stroke, spinal cord injury, etc.) or if you have a disability and are not served by an organization with Urgent Repair Program funding, you may be eligible for assistance under the Displacement Prevention Partnership program (DPP). The North Carolina Housing Finance Agency provides funding for this purpose through regional offices of the Independent Living program. Independent Living is a unit of the Division of Vocational Rehabilitation of the N.C. Department of Health and Human Services.

The DPP also may help low-income homeowners with lead-poisoned children below the age of 6. Contact your local public health department if you think your child has been affected by lead-based paint. Eligible cases are automatically referred by health officials to the N.C. Department of Environment and Natural Resources, which then contacts the N.C. Housing Finance Agency to assist in removing the lead hazard.

Duke Home Energy Loan Pool

Duke Energy customers in certain areas may receive assistance from near-by housing rehabilitation service providers under the Duke Home Energy Loan Pool (HELP).  These local and regional organizations, known as “Members” of the Loan Pool, will use HELP funds, along with funds from other rehabilitation programs such as CDBG, HOME and SFR, to comprehensively rehabilitate each qualifying home and make it much more energy-efficient.

HELP assistance is offered in the form of a loan secured by a lien on your home. HELP loans are interest-free and forgiven at $1,000 per year.  This means that the balance due shall be automatically reduced by one thousand ($1,000.00) on each anniversary date of the Note such that on the Maturity Date the outstanding principal balance due will be zero ($0.00).

The HELP loan will be paired with another deferred and/or forgiven loan (typically $10,000 to $30,000) to ensure that the whole house is brought up to program standards.  HELP-funded home improvements make a home more affordable by saving money through lower power bills. In addition to saving money, HELP-funded home improvements make homes more healthy and comfortable to live in. 

To receive assistance through HELP homeowners must have an annual household income not exceeding 80% of the area median income, be a Duke Energy customer, and be selected for assistance by a Member organization. To find out if there is a HELP Member serving your area, check the list of current HELP Members.

To learn more about the Duke Home Energy Loan Pool contact Housing Rehabilitation Officer, Cal Jordan at 919-877-5632 or rcjordan@nchfa.com.

For information about organizations that provide housing services in your area, go to our Housing Resource Guide.

Emergency Services Overview

The State Emergency Relief (SER) Program provides immediate help to individuals and families facing conditions of extreme hardship or for emergencies that threaten health and safety. Through a combination of direct financial assistance and contracts with a network of non-profit organizations such as the Salvation Army and local Community Action Organizations, SER helps low-income households meet emergency needs such as:

• Heat & Utilities
• Home Repairs
• Relocation Assistance
• Home Ownership Services
• Burial

Click Here For Website

The SER program is primarily designed to maintain low-income households who are normally able to meet their needs but occasionally need help when unexpected emergency situations arise. The SER program is not an appropriate solution to ongoing or chronic financial difficulties.

Only local DHS experts should make eligibility determinations for this program due to many variables. Ask for details when turning in a completed application.