ELIGIBLE APPLICANTS AND PROPERTIES
Applicants must meet income guidelines
The just value of the property cannot exceed $151,000 as listed by the Property Appraiser's office.
Single-family homes or manufactured home occupied by the applicant are eligible

ELIGIBLE REPAIRS
Any repairs necessary to correct substandard conditions are eligible. The program sets priority on roof replacement, plumbing and sanitary system, electrical system, heating and air conditioning, window or door replacement, kitchen repairs, or other conditions related to housing, health, fire, or safety standards. The program may also be used to improve outdated kitchens and bathrooms, add living space, improve energy-efficiency, or provide access and conveniences for the handicapped. Site improvements such as landscaping, fencing, tree trimming, garages, security lighting, etc., may be included in the loan.

The program may not be used to provide luxury items such as swimming pools and hot tubs, or purely decorative items such as draperies or furniture. No loan funds can be paid to the homeowner or anyone other than a licensed contractor for labor on the structure.

LOAN AMOUNT AND TERMS
The minimum loan amount is $3,000 and the maximum loan amount is $45,000.
Loans are available at 1%, 3%, and 5% interest and are generally amortized over a term of 15 years. The maximum term cannot exceed 20 years. Interest rates are determined by gross household income
Very low income applicants may qualify to defer all or part of the loan repayment, interest free, for as long as they continue to own and occupy the property