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Owner Occupied Rehabilitation Program
The County has helped low and moderate income homeowners renovate their homes through emergency repair loans and deferred payment loan programs. The purpose of the CDBG Housing Rehabilitation Program is to bring owner-occupied dwellings up to local and state building codes and to provide more livable and suitable environment for the homeowners, increase property values, and serve as a catalyst for neighborhood revitalization.
The moderate rehabilitation program provides zero percent (0%) deferred payment loans from $1,000 to $24,999. Once work has been completed and contractors paid, a mortgage will be placed on the rehabilitated property. The present restriction on affordability is as follows:
5 year affordability period requiring full payment of the County funds should the household sell, transfer, refinance, obtain a reverse mortgage or utilize any vehicle to obtain cash against the equity of the property within the first 5 years. There is an extended period of affordability where 1/5 of the affordability subsidy will be forgiven for the next 4 year period. The County will require 1/5 repayment should the owner transfer, sell, refinance obtain a reverse mortgage or utilize any vehicle to obtain cash against the equity of the property.
Mobile homes will receive a subsidy limit for conditions considered an URGENT NEED where health and welfare are threatened. The County has established a subsidy limit at a maximum of $5,000 for MOBILE HOMES in which there is an established URGENT NEED where there is no heat* and/or no running water.
Eligibility is strictly based on income, family size and type of improvement. Being handicapped, elderly or disabled does not automatically qualify you for the program. Eligible improvements include but are not limited to plumbing, heating, electrical, roofs, walls, ceilings, steps, railings, wells, septic systems, weatherproofing, lead removal, handicap accessibility. This program is not intended for cosmetic repair i.e. painting, decks, siding.
For more information:
Christina Velázquez, Senior Program Analyst
Gloucester County Planning Department
Housing and Community Development
1200 N. Delsea Drive
Clayton, NJ 08312