HOUSING REHABILITATION PROGRAM

CUMBERLAND COUNTY

TO BE ELIGIBLE FOR A DEFERRED LOAN YOU MUST:

1. Own a residential dwelling in Cumberland or Perry County

2. Have lived in this dwelling for at least 6 months.

3. Qualify according to income limits.

4. Have property taxes paid.

5. Have homeowners insurance.

6. Have sewer, water, trash paid. (If applicable)

LOAN MAXIMUM IS $17,500

HOMEOWNERS CAN QUALIFY FOR A LOAN IF THEIR GROSS INCOME DOES NOT EXCEED THE FIGURE IN COLUMN B: HOWEVER PREFERENCE WILL BE GIVEN TO ELDERLY (62+) AND HANDICAPPED FAMILIES WHOSE INCOME DOES NOT EXCEED THE FIGURE IN COLUMN A.

Family Size                                 Column A                             Column B

        1                                             $22,500                                 $36,000

        2                                              25,700                                    41,150

        3                                               28,950                                   46,300

        4                                               32,150                                    51,450

        5                                               34,700                                     55,550

        6                                               37,300                                     59,700

        7                                               39,850                                     63,800

        8                                               42,450                                     67,900

Eligible work items include: updating electrical wiring, heating systems, roof repair or replacement, insulation, doors, windows, siding, interior and exterior painting, chimneys, spouting, kitchens, bathrooms, foundation repairs, etc.

FOR MORE INFORMATION OR ASSISTANCE IN APPLYING FOR A LOAN:

contact

249-0789         697-7703          532-8805

ITEMS APPLICANTS MUST SUBMIT WITH APPLICATION

1. VERIFICATION OF INCOME FROM ALL PERSONS LIVING IN THE HOUSEHOLD OVER 18 AND NOT IN SCHOOL. INCOME FROM ALL SOURCES INCLUDING SOCIAL SECURITY, INTEREST INCOME, CHILD SUPPORT, ETC. IF EMPLOYED, HAVE EMPLOYER COMPLETE THE ENCLOSED FORM AND RETURN WITH THE APPLICATION.

2. COPY OF THE DEED TO THE PROPERTY.

3. LAST PAID PROPERTY TAX RECEIPT. MUST BE THE ACTUAL RECEIPT SHOWING THE ASSESSMENT OF THE PROPERTY. (CAN BE OBTAINED FROM TAX COLLECTOR).

4. MOST RECENT CHECKING ACCOUNT STATEMENT.

5. BANK STATEMENT LISTING SAVINGS AND INTEREST.

6. COPIES OF BIRTH CERTIFICATES FOR ALL HOUSEHOLD MEMBERS IF UNDER 

     AGE 62.

7. CERTIFICATE OF HOME OWNERS INSURANCE.

8. CERTIFICATE OF FLOOD INSURANCE (IF APPLICABLE).

9. PROOF OF PAYMENT OF SEWER, WATER, TRASH BILL (IF APPLICABLE).

10. COPIES OF SOCIAL SECURITY CARDS FOR ALL HOUSEHOLD MEMBERS.

STEPS IN REHABILITATION WITH A LOAN

1. Complete the basic application to determine eligibility.

2. A property survey will be conducted on your property to determine what work is required to bring the property up to code standards: (work items such as updating electrical and plumbing systems, flaking, and peeling paint, storm doors and windows, insulation, replacing broken glass, foundation repairs, chimney repairs, roofs, etc. are a few examples of code items).

3. The Housing Rehabilitation Program is intended to correct housing code deficiencies. The

Housing Inspector will discuss any deficiencies with you and explain what steps will be necessary to correct them. Correction of housing code deficiencies will be included in the write-up for your property.

4. Specifications for the work will be prepared listing the required work. These specifications will be reviewed with you for your approval.

5. If it is determined that the estimated cost of correcting housing code deficiencies will exceed the available loan limit, then no work can be done at the property unless the owner can provide

their own funds necessary to supplement the cost of the repairs over the loan limit.

6. You will be asked to select contractors to submit bids for the work.

7. The contract will be awarded to the lowest qualified bidder. If the low bid is higher than the grant limit, you have a choice: you may (s) arrange for funds to cover the cost over the maximum loan limit, or (b) deletions can be made in the work write-up or (c) the job may be rebid.

8. A lien will be entered against the property for the amount of the rehab cost.. When the property is sold, the loan amount will be refunded to the municipality. The loan will be at 0% interest.

9. The contractor then begins work. Redevelopment Authority staff makes periodic inspections to insure the work meets the specifications.

10. Payments will be made to the contractor as the work is completed. A final payment will be made to the contractor following a 30 day inspection.

11. The applicant shall comply with Title VI of the Civil Rights Act of 1964, and with Executive

Order 11246 which provides that no person shall be discriminated against on the basis of race, color, religion, sex, or national origin.

12. The Municipality shall have the right to inspect the property.

POINTS FOR HOMEOWNER TO REMEMBER DURING CONTRACT WORK

1. Have all small items such as pictures, knickknacks, drapes and other decorator items put away in rooms that are going to be worked in.

2. Establish a line of communication with the contractor. If something doesn’t look quite right to you, ask questions. Do not wait until everything is done - it may be too late to satisfactorily make a change.

3. It is your responsibility to select the colors, styles and patters of materials such as floor tile, paint, siding, etc. If you are not given this opportunity, speak up immediately. Don’t wait until the wrong material is installed. Remember it is your home and when it is completed, you must live with it. We want you to be satisfied when the project is complete and we will make every effort within the limits of your budget to do so.

4. Remember that workmen will be making repairs and improvements to your home. You must expect a certain amount of disruption of your normal living during this process. The contractor must leave the premises broom clean overnight and haul away all trash and debris that is a result of the construction process. However, you must expect that there will be a certain amount of house cleaning when the project is completed.

5. Do not ask the contractor to do anything that is not on the work write-up. He has bid only on those items in the work write-up, and is being paid for those items only. If something additional must be done, you or the contractor should speak to the inspector about it and negotiate a price and initiate a change order for approval.

6. You will be given a copy of the work write-up and specifications. The inspector will review it with you. If you do not understand something or have questions about any item in the work write-up, please ask us. Keep your copy of the work write-up available so you are aware of what is being done.

This information has been given to you to help you understand the rehabilitation process and to assist you in understanding what to expect during that process. It has been our experience that 90% of all problems which occur can be traced back to a lack of communication between the homeowner, contractor and inspector. If you have followed these six points and feel your concern about something has not been addressed, call the Redevelopment Authority.

Application