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There's Help for Major Home Repairs

If you own your home and meet low income requirements, you may qualify for a grant that would pay for major home repairs, according to Ald. Hamilton. The Neighborhood Improvement Project (NIP) focuses on repairing building code violations on the properties accepted for the program. A city inspector determines the type and quantity of repairs to be done.

"Many city homes have been repaired over the years by this program," said Ald. Hamilton, "and over time, it has become one of the most successful housing rehabilitation projects that use Community Development Block Grant funds. 

This is not a do-it-yourself remodeling program. Repairs are done professionally by the agencies that are contracted to meet city code requirements. This is a forgivable loan program for low-income homeowners. Successful applicants do not have to pay back the loan if they live in their homes for five years after being accepted into the program.

In order to be eligible for the NIP program, your household must meet a number of criteria including the following:

  • You must own your home and have lived in it for five years.
  • Property taxes must be paid and the home must be insured.
  • You have not received any other home rehab loan from the city.
  • You must provide proof of income and copies of utility bills.

Here are examples of income guidelines for the program. They are based on the number of people in the household:

  • 1 person, $23,500
  • 2 persons, $26,900
  • 4 persons, $33,600

If you are interested in applying for the NIP program, please contact the Neighborhood Improvement Development Corporation at 414-286-5618.

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