Building healthy communities goes beyond developing affordable rental housing and encouraging sustainable homeownership. Polk CDC makes financing easier with our home repair programs, as well as rental repair and business façade loan programs. We also at times have emergency single use grants. Our programs vary depending on available funding standards. Our goal is to help home owners maintain the safety, quality and affordability of their homes.

Housing Rehabilitation Loans

Polk County homeowners may qualify for a low-interest loan to make necessary repairs, upgrades, and additions to their homes! Polk CDC can also respond to emergency repairs on a case by case basis.

How does the Home Repair / Rehabilitation Program work?

The program offers low interest loans to help homers make repairs and rehabilitation affordable
through various programs.
 
Steps to determine minimum qualifications:

  1. Determine if gross annual income for household falls within the current federal standard for our local Area Median Income. See chart below.
  2. Complete an online inquiry here The Program Eligibility Questionnaire and submit. We will contact you with more information. If it appears you may be eligible we will provide you a full Program Eligibility Packet to complete and submit with verifying documentation.
  3. We will review your completed Program Eligibility Packet and determine the next step.
  4. If you qualify, a Rehabilitation Advisor will inspect your property to determine what qualifying repairs are needed as well as meet the program guidelines. Health, safety and accessibility are the priorities.
  5. You will request bids from contractors of your choice. We can help provide names of qualified contractors upon request.
  6. Your Rehabilitation Advisor will assist you throughout the construction process.

Housing Rehabilitation Income Limits for Polk County, Oregon, by Household Size (2017 subject to annual changes).


Polk County, Oregon homeowners may qualify for a low-interest loan to make necessary repairs, upgrades, and additions to their homes!
Basic Loan Requirements:

  • Home must be located in Polk County and must be in need of repair
  • Applicant must own or be buying property and must be in title
  • Owner must live in property
  • Property taxes must be current
  • Applicant must have sufficient equity

See if you are eligible complete an online inquiry here The Program Eligibility Questionnaire and submit.

For more information regarding the Rental Rehabilitation Program please contact Kimberly Lyell, FSpecialist, at 503-831-3173 or at info@polkcdc.org.
 
Please view a “Before and After” photo gallery and a list of Qualified Improvements on this site.