Emergency Loans

Emergency Loans provide emergency repairs for eligible owner-occupied properties. Depending on the income and family size of the household, the loan may be forgivable (a grant) for those still occupying the property five years after the repairs are completed. Those with 51% to 80% of the area median income as determined by the Department of Housing and Urban Development may be eligible for loans at 3% interest and monthly payments.

Eligible Projects

  • Electrical service (outside of home)
  • Exterior accessibility for the disabled
  • Faulty furnaces
  • Water or sewer line breaks
  • Other (call to inquire)

Program Specifics

  • Applications are available year-round on a case-by-case basis
  • City secures bids for all projects
  • Dependent on the nature and cost of the repair
  • Eligibility standards must be met
  • Interest rates range from 0% to 3% for a five-year maximum term
  • Work must meet code requirements