Home Repair and Improvement Assistance


AVAILABLE TO HOMEOWNERS IN NEED


If you can't afford to fix-up your home...
**    The Delta Housing Authority administers the Housing Rehabilitation Program for eligible homeowners throughout Delta County.
**    Technical and financial assistance is provided for general repairs and improvements.
**    Inspection, consulting and construction management services are free of charge.
**    Funds are provided through low-interest loans with easy terms.  (The payment is based on what the borrower can afford.)
**    The homeowner chooses approved contractors to complete the work.  Ins some cases the homeowner, if qualified, may choose to finance only the material cost and complete part or all of the work themselves.

Eligibility
**    The program is designed for homeowners who may be unable to borrow from a bank because of their lower income level.  Those who earn less than 80% of the median may quality.
**    The applicant must occupy the property and be listed on the deed.
**    The property must have at least one deficient structural component or related health and safety hazard to be addressed.  Other improvements may also be funded.

Loan Information
**    Loans will be secured by a Promissory Note and Deed of Trust.  Interest rates are typically low and the term of the loan can be lengthened if necessary to allow for very small monthly payments.

Project Design and Contractor Selection
**    The goal is to give the homeowner the highest quality work for the lowest cost.  To achieve this, the bidding protocol is often flexible and informal.  Homeowner input and participation is encouraged.  Contractor's bids may reflect various options.  Once the best materials and methods are determined, the contractor is selected;  the contract and specifications are finalized and signed.

Construction Monitoring and Completion
**    Regular inspections by the Delta Housing Rehabilitation Specialist are conducted to help insure contract compliance and good workmanship.  Payments to contractors and suppliers are released upon approval of work by homeowner.

Purpose:
**    Conserve and improve the supply of housing affordable to low- and moderate-income households
**    Assist in removing architectural barriers for low- and moderate-income households.
**    Remove blighted conditions in Delta County.

Delta Housing Authority
511 East 10th
Delta, CO  81416
(970) 874-7266