Large portions of the affordable housing available to low-income people in the San Joaquin Valley are older homes. Self-Help Enterprises operates a rehabilitation program to preserve and improve this existing stock of housing. Through partnerships with cities and counties in the San Joaquin Valley, Self-Help Enterprises works with local community leaders to identify housing needs, secure funding, and successfully implement housing repairs efforts for residents.
Deferred payment loans available to qualified homeowners for essential health and safety repairs typically include roofing, plumbing, electrical, heating/cooling, foundation, windows, and handicap accessible modifications. There is no monthly payment. The loan is due and payable upon sale, change of title or change of use – such as change from owner occupied to renter occupied. Housing rehabilitation assistance can meet a critical need for homeowners who lack the funds to make necessary physical health and safety improvements to their homes.
To date, Self-Help Enterprises’ assistance to local communities has resulted in over 6,000 rehabilitated homes.
“Our old home was falling apart and we had no idea how we were going to fix it. We are so grateful for the rehabilitation program because we would not have been able to improve our living conditions without the program.”
~ Tessie Dowers and Virginia Barnes
The following cities and counties currently have funding available for critical home repairs.
Rural Madera County
Rural Merced County
What are the income eligibility requirements?
Income eligibility requirements include the annual gross amount of income of all adult household members. All applicants must have incomes at or below 80% of the County’s area median income, adjusted for household size.
What are the property eligibility requirements?
Owner-occupied units must be the owner’s principal place of residence. Verifications include title report, current property taxes, 12-months of current mortgage payments, homeowner’s insurance, flood insurance (if applicable), and property values.
How much will it cost me to have the repairs done?
No interest or monthly payment is required for 30 years. A mortgage loan will be recorded with the city/county to secure the loan. A lien will remain on the property until the borrower sells the home or transfers the title to the home, at which time the loan shall be paid in full. Total costs of repairs are determined based on an inspection of the home.
If you are interested in more information about repairing your home, please complete the interest form. A Self-Help Enterprises representative will contact you to complete a pre-screening application.