Home Rehabilitation FAQ
Q. What happens after I submit my application?
A. After your application is submitted and verified to be complete, your income information will be verified to determine if you are eligible for the program. If you are eligible, you will be receiving a call from our Housing Specialist to schedule a time for them to come out and look at your home. If you are found to be not eligible or your application is not complete, you will receive a letter from us with instructions.
Q. Is my home a good candidate for a full rehab?
A. That question will be answered by the Housing Specialist after they visit your home. We have a fixed amount of money that we can spend on a home and we must insure that the entire home is safe and complies with our Residential Remodeling Standards and any local, State, and Federal codes. So unfortunately, the homes that need our help the most end up being ones that we sometimes can not assist.
Q. Is this a loan or grant?
A. It is actually both, when you sign up for a home rehabilitation you are agreeing to allow the County to place a mortgage on your home. Keep in mind however, this mortgage is a declining mortgage with zero interest and zero payback until/unless the property changes hands. Every year that you remain in your home your mortgage amount drops by 20%. Until that final and fifth year at which time the remaining 20% stays on indefinitely and will be due and payable when the property changes hands or you are no longer the primary resident. See Page 10 of the application below for a complete list of the loan terms and conditions.
Q. Can I get a full rehab on a manufactured home?
A. Short answer is no, no single wide trailers can be rehabilitated, however in some cases a double wide trailer may be eligible but it needs to meet certain requirements, such as a permanent foundation and it must have been converted to real estate.
Q. What if I am behind on my property taxes, does that make a difference?
A. Yes, you must be either current on your property taxes or be in an active and confirmed payment agreement issued by the Treasurer’s office.
Q. How Do I Get Started?
A. Click on the application below, print it out, complete it in it’s entirety and return it with proof of income and property ownership and six months of consecutive bank statements. Proof of income must be in the form of a current Social Security award letter, current annual pension report, and/or current check stubs for the past two consecutive months for all residents in the home over 18 years of age. Proof of property ownership is deed or a recorded land contract
Q. Why do you need my bank statements?
A. This is actually a requirement from our funder. HUD requires that we have copies of your bank statements for 6 consecutive months.
Failure to provide the proof of income, proof of ownership, bank statements and fully completed application will result in your application being placed in the inactive file. Your application will not be moved to the active list until your file is complete.
Please note, that completed applications can be dropped off in person and we can make copies of your documents for you. Our office is located at 205 South Market Street, McArthur, Ohio 45651
Click Here to Download and Print the Home Repair Application