CinA administers the Residential Rehabilitation Revolving Loan Program. The program is funded from Community Development Block Grant funds (CDBG). CDBG funds are the mainstay of the United States Department of Housing and Urban Development (HUD) community and economic development programs. The Oregon Business Development Department, Infrastructure Finance Authority (IFA) receives CDBG funding to provide housing rehabilitation in rural non-entitlement Oregon communities. Rural Oregon cities and counties may annually apply for CDBG housing rehabilitation funds which are awarded on a competitive basis. All funds are distributed as grants to rural cities and counties following a competitive application process. Grant funds are then loaned to homeowners. As funds are repaid, they are deposited into the revolving loan fund.
The program is designed to assist low to moderate income homeowners improve their housing conditions. The loans have zero interest and no monthly payment. Payment is due in full when the property is sold or refinanced; it is no longer the primary residence of the homeowner, or 30 years, whichever occurs first. Loans are secured by a Note and Trust Deed, with a lien placed on the property.
Eligible Property Improvements
Repairs must address health and safety issues and could include energy conservation measures. Eligible home repairs include:
- Electrical upgrades
- Plumbing upgrades
- Roof repair or replacement
- Foundation work
- Sagging floors
- Handicapped accessibility
- Septic system repair
- Dry rot
- Structural repair
Who is eligible
To qualify for a loan you must meet the following requirements:
- You must be a resident of Harney or Malheur County (priority may be given to specific areas)
- The property must be an owner-occupied single family residence
- You must be low to moderate income
Click here for income guidelines for Harney County
Click here for income guidelines for Malheur County
- You must have available home equity and satisfactory credit to secure the loan
- Your home must be physically able to be rehabilitated
- There may be additional eligibility requirements defined when you apply
How the program works
Interested homeowners complete and submit a Notice of Interest form to start the process. When funding becomes available interested residents are asked to complete an application. Applicants are served in order of receipt and based upon program priorities and program guidelines. If your application is approved, you will be notified by the Program Representative.
Homeowners who are awarded a Housing Rehabilitation loan are involved throughout the entire process.
CinA assists homeowners each step of the way by:
- Assisting with the completion of necessary paperwork;
- Checking other programs that may be available to you at no or low cost;
- Having a construction specialist inspect your home and help you create a list of eligible repairs;
- Preparing a bid document listing the needed repairs;
- Assisting the homeowner in obtaining bids from licensed and bonded contractors;
- Checking on energy rebates that may be available to you;
- Preparing and processing the necessary loan and construction documents;
- Monitoring the construction work done as it progresses to ensure it is completed satisfactorily;
- Paying the bills directly to contractors as the work is completed.
Notice of Interest process
Brochure – view printable tri-fold brochure
Construction Contractor Requirements
Select a form to view details