Home Owner Rehab

Program Coordinator, Michael Weiss : mweiss@wccainc.org

HOME Program

The HOME Program will make moderate renovations to owner occupied existing housing stock as outlined in the program guidelines.

The first step is to verify that the owner/occupant is eligible for the program. Taxes paid and current homeowner insurance as well as other program requirements.

All housing rehabilitation programs carry a deferred mortgage that is placed against the property and will last from 2 – 10 years depending on program guidelines.

Guidelines

Household Size Monthly Income Must Fail HQS Insp.
1 $  1,729.00
2 $  1,975.00
3 $  2,225.00

The guidelines are based on a Housing Quality Standards inspection done at the first visit to the home.

The repairs to the home are based on this HQS inspection and the items that fail the inspection.

The renovations are only limited by the budget for that grant year.

All the items that fail the HQS inspection must be repaired as well as any lead based paint hazards being mitigated.

Any peeling, chipping, cracking or flaking paint is a hazard and must be addressed.

All work mandated by the program must be able to be done for the budgeted amount to make the home eligible for the program.

Once the home and the owner are deemed eligible for the program an energy audit and lead based paint inspection are done on the home to assist with the planned renovations.

At this point in the process an itemized list of work to be done is created (workscope) and the housing coordinator will do an in house cost analysis to insure the project is within the programs budget.

When the cost of the is within program guidelines the client will select three contractors from WCCA’s qualified contractor list.  These contractors will be sent a bid packet and will submit a sealed bid to WCCA’s housing coordinator.  Upon opening of the bids the low bidder will be awarded the job and will start work within 30 days.

A preconstruction meeting will take place before any work is started and this meeting will outline the work to be done so all parties are clear on what is involved in the work.

At the completion of the described work and the satisfaction of the home owner the final payment will be made to the contractor.

RESTORE Program

The RESTORE program will make emergency repairs to homes owned by very low-income elderly heads of households.

The emergency needs will be addressed as soon as possible according to a established time table.

The type of repairs will be limited to the emergency repairs necessary to eliminate a health and safety threat to the household.

These repairs may include electrical wiring, plumbing, water supply, septic issues, heating systems, steps, ramps, porches, doors, windows, handrails, roofing, sump systems and correcting drainage problems.

Applicants eligibility will be determined upon receipt of required documentation and their emergency need evaluated.

If funding is available the evaluation will take place within 72 hours with the work completed within 30 days.

The client will be required to sign a lien agreement for a three year period for the cost of repairs and applicable fees.

Qualifications

Age: 60 years and older

Income level:
– 50% of area median
– 1 person household income limit is $  20,750.00 or less
– 2 person household income limit is $  23,700.00 or less
– 3 person household income limit is $  26,700.00 or less

Fees: $ 440.00 rolled into the grant amount (no out of pocket costs)

Grant amount: Average $ 2,500.00

All above information is based on current program guidelines and are subject to change according to programs requirements.

Affordable Housing Program

The Affordable Housing Program is a matching grant with the client supplying 40% of the funds and the Affordable Housing Grant supplying 60% of the funds.

The Affordable Housing Program will make specific moderate renovations to owner occupied existing housing stock as outlined in the program guidelines.

The first step is to verify that the owner/occupant is eligible for the program. Taxes paid and current homeowner insurance as well as other program requirements.

All housing rehabilitation programs carry a deferred mortgage that is placed against the property and will last from 2 – 10 years depending on program guidelines.

Guidelines

Household Size Monthly Income
1 $  2,767.00
2 $  3,163.00
3 $  3,558.00

The renovations are only limited by the budget for that grant year.

At this point in the process an itemized list of work to be done is created (workscope) and the housing coordinator will do an in house cost analysis to insure the project is within the programs budget.

When the cost of the is within program guidelines the client will select three contractors from WCCA’s qualified contractor list. These contractors will be sent a bid packet and will submit a sealed bid to WCCA’s housing coordinator. Upon opening of the bids the low bidder will be awarded the job and will start work within 30 days.

A preconstruction meeting will take place before any work is started and this meeting will outline the work to be done so all parties are clear on what is involved in the work.

At the completion of the described work and the satisfaction of the home owner the final payment will be made to the contractor.