Most people strive to own a home. Homeownership comes with responsibilities, including ongoing maintenance, repair, and improvements. If you stay in Oregon, you don’t have to worry about finding a way to fix your home. There are programs to help you with repairs and you don’t have to use your own money. Keep reading this article for home repair grants in Oregon.
Restore Health and Safety (RHS) Program
The Restore Health and Safety (RHS) program offers funding support to qualified homeowners for repair and home modifications. The goal is to ensure better health and safety. Eligible home repairs include upgrades to bring homes to code, emergency repairs, accessibility modifications, and repairs for structural integrity. The State Document Recording Fee (DRF) finances this program. OHCS administers the program and distributes funds to eligible organizations to assist homeowners who are at health and safety concerns. This enables homeowners to enjoy living in safe, healthy, habitable, and sustainable homes. The program assistance depends on funds availability. Read more at https://www.oregon.gov/ohcs/homeownership/Pages/improve-a-home.aspx.
Portland Housing Bureau
Portland Housing Bureau provides funds to local community organizations to offer home repair and retention services. Through these funds, families can finance small and large home repair projects and accessibility modifications. Home repair grants are available for low-income homeowners. The home repair grant providers include:
- Community Energy Project. The organization provides safe home repairs and weatherization assistance to help improve energy efficiency and reduce utility bills. You may also qualify for larger home repairs, including plumbing, roofing, electrical work, gutters, among others. Find out more at http://www.communityenergyproject.org/.
- Native American Youth & Family Center (NAYA). NAYA provides home repairs, weatherization, and maintenance services to help low-income homeowners save energy and reduce energy bills. Read more at http://www.nayapdx.org/.
- Portland Community Reinvestment Initiatives, Inc. (PCRI). PCRI provides a homeownership retention and repair program to enable senior homeowners aged 55+ to foster stability in their properties. See more at http://www.pcrihome.org/retention.
- REACH Community Development. REACH provides a community builders program, which offers minor repair services to low-income senior and disabled homeowners in Portland. http://www.reachcdc.org/ provides more information.
- Rebuilding Together. Rebuilding together has volunteers who offer to make home improvements to low-income families throughout Portland. Learn more at http://www.rebuildingtogetherportland.org/.
Low-Income single mothers, people with disabilities, veterans, and elderly homeowners can apply for home repair services from any of the listed organizations. Read more at https://www.portland.gov/phb/home-repair-retention.
The purpose of this program is to provide home repair assistance to veterans or members of the military still on duty. The loan funds can be used to cover a wide range of repairs, including plumbing, flooring, insulation, energy-efficiency improvements, accessibility enhancements, among others. These loans are guaranteed by Oklahoma Veterans Affairs (VA). Find out more at https://www.benefits.va.gov/denver/rlc-services.asp.
Corvallis Neighborhood Improvement Loan
You may qualify for the Neighborhood Improvement Loan program to make repairs both inside and outside of your home. The program provides grants to single moms, people with special needs, and senior homeowners. Only homeowners living in Corvallis city qualify for the program assistance. The loan companies lower interest rates and credit requirements. You may use this assistance, along with other home improvement options. Find out more at https://www.corvallisoregon.gov/cd/page/housing-and-neighborhood-services-division.
Emergency Minor Home Repair Program
This program receives funding from the Community Development Block Grant (CDBG) to help low-income homeowners in dealing with issues that put their health and safety in danger. The program provides services to Eugene City residents. The assistance through this program includes no-interest deferred loans of up to $5,000. Very low-income homeowners qualify for up to $5,000 grants through the program. If you want to apply, you must ensure you meet the program requirements. Applicants must meet the very low-income requirements to qualify for grants and the property located within the city limits. Eligible home repairs include home security, leaking roofs, plumbing, heating systems, and electrical work. Families may qualify for a combination of loans and grants (up to $10,000). Read more at https://www.eugene-or.gov/852/Emergency-Minor-Home-Repair-Program.
Single-Family Housing Repair Loans & Grants in Oregon
The program provides home repair assistance to rural homeowners in form of loans and grants. Loans of up to $20,000 are given to low-income homeowners to help them with home improvements, repair, and modernization. The loans are provided at 1% and qualifying families have up to 20 years to repay them. Senior homeowners aged 62 or older may qualify for up to $7,500 grants to remove safety and health hazards from their homes. Grants are not repaid unless the homeowner changes the property ownership or ceases to occupy it. To be eligible for the program assistance, applicants must provide proof of homeownership and that they occupy the house, meet low-income limits, and demonstrate an inability to acquire low-cost credit anywhere else. Through Pilot Program Oregon homeowners may qualify for a higher amount of finding to make the necessary improvements in their homes ($40,000 for loans and $10,000 for grants). The pilot program also simplifies the eligibility requirements to have access to home repair assistance. Find out more at https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/or.