Housing Rehabilitation Programs
The Housing Rehabilitation Programs are designed to help homeowners who are struggling to get repairs done on their own. The assistance is provided in the form of a forgivable loan to income qualifying applicants and is only available to City residents who own their own house. Approved rehabilitation activities are meant to bring houses into compliance with property standards specified in the City’s Building Codes and Ordinances. There are currently three programs: General, TARRP, and Emergency.
- Applicant must live in and own the property they are applying for.
- Applicant must have owned the property for at least six months prior to the time of application.
- Total household adjusted gross income must fall within the established income limits.
- Property taxes must be current.
- Utility bills due to the City cannot be delinquent.
- Property must have homeowner’s insurance.
- Applicant must be a legal US citizen or resident.
West TARRP Area
Central TARRP Area
East TARRP Area
Frequently asked Questions
Q. If my spouse and I are on the title to the home, but they no longer live in the property, will they also need to apply?
A. They will not need to supply any supporting documents if they do not live in the home, however, they will be required to sign contracts agreeing to the terms of the Program and authorizing the work on the property because they are on the title.
Q. My son/daughter currently live with me but they do not contribute to the bills or pay rent. Do I still need to provide their proof of income?
A. Yes, anyone over the age of 18 that lives in the home will have to provide proof of income. Income eligibility is determined by the total combined household income, regardless if they pay rent or assist with the bills.
Q. How do you determine what counts as income?
A. We are required to follow the U.S. Department of Housing and Urban Development’s definition of income as defined in 24 CFR 570.3, Income (iii).
Q. How can I be assured that the contractor selected will do a good job?
A. All contractors that wish to do work through the Housing Rehabilitation Program must follow guidelines. The City not only inspects the work, but we also ensure that the contractor has the appropriate licenses and training before they can begin any work on your home.
Q. Recapture Agreement and how does this affect me?
A. A Recapture Agreement is similar to a lien. This is recorded with the Rock Island County Recorder’s Office to ensure that you continue to reside in the property for at least five years. Although you are applying to receive a grant, the City must insure that the grant continues to benefit the applicant for a period of time. As long as you continue to live in your home the Recapture Agreement will be released after five years. However, if you decide to sell your home in less than five years after receiving the grant, the Recapture Agreement will allow the City to recapture the grant funds from you. Additional information will be provided to you regarding the Recapture Agreement before any work is performed on your property to make sure you agree to these terms.
Q. If I pass away in less than five years after I receive the grant, will the Recapture Agreement remain on my property?
A. No. If the grant recipient dies, the Recapture Agreement will be released from the property.
Documents & Links
To apply for assistance please follow the link below. There will be no more paper copies.
- Program Polices