Commercial and Home Improvements

Building healthy communities means more than developing affordable rental housing and encouraging sustainable homeownership. Polk County and home repair loan programs 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 (2%-4% annual interest) to make necessary repairs, upgrades, and additions to their homes!

In order to qualify, you must:

  • Own a home in Polk County
  • Have a gross annual income lower than 80% of Area Median Income (AMI) based on the size of your household

2014 Income Limits for Polk County, by Household Size

Persons in
80% Median
Area Income
1 $31,300
2 $35,750
3 $40,200
4 $44,650
5 $48,250
6 $51,800
7 $55,400
8 $58,950


Unlike many conventional home equity loans, Polk CDC housing repair loans are designed to be affordable and accessible for low and moderate income homeowners.  

  • There is no credit test for participation
  • Rates and terms are determined by income and designed to produce an affordable monthly payment  
  • Polk CDC is willing to work with borrowers when unexpected circumstances affect their ability to pay

Polk CDC can also help you choose qualified contractors, solicit bids, and help ensure that the work is completed on-time and to your satisfaction.

No one deserves to live in an unsafe or uncomfortable home because of low income. For more information or to apply, contact Kimberly Lyell, Housing Rehabilitation Specialist, at 503-831-3173 or at This email address is being protected from spambots. You need JavaScript enabled to view it.. You can also view a “Before and After” photo gallery and a list of Qualified Improvements on this site.

Work under this program is funded entirely by grant funds from the Oregon Community Development Block Grant (CDBG) Program.

Polk CDC and all employed Mortgage Loan Originators are licensed and registered with the Nationwide Mortgage and Licensing System and Registry (NMLS).
Polk CDC NMLS #345525                         
Kimberly Lyell NMLS #417758