Purpose
The purpose of this program is to provide favorable funding to Jefferson County low and moderate (household income < 80% of CMI) home owners to assist them with lead paint abatement and making other required improvements to their homes.

Eligible Households
Eligible recipients must have total household income < 80% of the area median income adjusted by household size (see Exhibit A).

Eligible Properties
Single-family owner-occupied units, except mobile homes, in Jefferson County that comply with program guidelines and any applicable local codes for completed repairs. All units rehabilitated under the program must comply with HUD Housing Quality Standards (including lead paint standards) and HUD Purchase Price Limits (see Exhibit B) for Jefferson County. The program covers the entire County except the Village of Sullivan.

Eligible Repairs
Lead paint abatement activities and code and HUD Housing Quality Standards (HQS) violations determined by inspection. Eligible items to meet code and HQS standards could include:

• roofs

• furnaces and water heaters

• plumbing, water or water/sewer laterals

• windows

• structural problems

• electrical work

• accessibility improvements

• other items approved by the Program Administrator

Loan Term & Fees
The program provides a 0% deferred loan of up to $25,000 per owner- occupied unit. Funds will be provided after work is complete and is cleared for HQS Standards, Lead Paint Standards and all local codes. Any payments required by contractors prior to the completion and final inspection of the work is the home owner’s responsibility.

All program funds must be used on eligible repairs. The owner can utilize as much of their own funds for rehabilitation work as they like. The owner must have their units pre-inspected to HUD’s Housing Quality Standards and Lead Paint Standards. The Jefferson County Economic Development Consortium charges an inspection fee of $175.00 and clearance fee of $75.00, which can be part of the loan. The Authority will monitor and inspect all on-going projects. Staff will approve completed work and will clear units for occupancy using HUD and State standards.

Program Administration
Jefferson County Economic Development Consortium is the program administrator. Administrative services include:

• Identification of eligible recipients

• Completion of qualifying program documents, which includes the following:

• Loan Reservation Form

• Summary describing nature of repairs

• Borrower Set-Up Form

• 2 most recent pay stubs and Tax Returns from previous 2 years

• For government benefits, YTD summary of government benefits verified by the appropriate governmental unit

• Complete scope of work, HQS inspection, lead paint risk assessment and clearance and final inspection and make sure all required local codes are met.

• Originate each loan, process and close loan documents, prepare documents and record mortgages.

• Set up payments to contractors.

Click here for the Complete Home Improvement Program packet, which includes:
Program Guidelines, Application Checklist, Disclosure & Approval Form, and Reservation Form (.pdf)

 

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