Roof and Repair Programs.

Introduction.

The Roof and Repair program 2018 program application cycle is now closed. We will continue to take information for the 2019 fy application cycle, which we hope to re-open in June of 2019 for Somerset and Wicomico Counties.

Wicomico Habitat’s Roof and Repair Program is a need-based program for low and fixed income existing homeowners that live in Wicomico and Somerset Counties. Our goal is to serve these homeowners by finding the grants and/or loans that will help them with interior or exterior work to alleviate critical health, life and safety issues or remove code violations. As with our Homeownership program, this program will involve a repayment component unless a grant is found for the applicant. Some grants and loans require a credit inquiry. All grants and loans require proof that the homeowner currently lives in the property and plans to live in the property for at least 5 or more years, proof of income or retirement benefit, evidence of homeowners insurance and proof of identity.

Loans are typically at zero – 1% interest rate. Sometimes, older homeowners hear the word ‘loan’ and immediately are not interested in learning more about how we can help. To clarify, a deferred loan, if available, means that the cost of repairs is repaid when the house is sold, typically after the homeowner dies and the estate transfers the property to another person. This allows an elderly person on a fixed income to remain in their home for as long as they wish.

Currently, USDA/Rural Housing has grants of up to $7,500 that do not need to be repaid, but the property must be in an area that USDA/Rural housing deems as Rural, at least one person on the deed of the property must be 62 years of age or older and income qualify. When you call our office, we will check your address to verify if your property is eligible. Then we will ask that you schedule an appointment with Amy Wise, our AmeriCorps/Roof & Repair Program Coordinator.

Also, mobile homes on rented land, are not eligible for any grants or loans. We refer these needy families to Chesapeake Housing Mission.