HOME IMPROVEMENT PROGRAM
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The City of El Centro is offering assistance to owner-occupants to rehabilitate their home through the City’s CDBG, HOME and CALHOME PROGRAMS. This program is designed to provide qualified households with a low interest rate loan to rehabilitate their single family dwelling in the City of El Centro.

APPLICANT ELIGIBILITY

A. INCOME
Applicants must be low income, defined as having an income that does not exceed 80 percent of the area median income, adjusted for household size or moderate income as set forth in the State Income Limits for the current year. Please call the City’s Department of Housing at 337-4543 to verify eligibility.

PROPERTY ELIGIBILITY

  • Property to be rehabilitated must be located within the designated Target Area of the City of El Centro.
  • All repair work will meet Uniform Building Housing Code standards.
  • All property improvements must be attached to the property and permanent in nature.
    NO GENERAL PROPERTY IMPROVEMENTS ALLOWED.
  • The loan to value ratio of the property shall not exceed 98%.

TYPES OF FINANCING & TERMS

  • Amortized loans at a 3% interest rate, secured by a Deed of Trust with a maximum term of 15 years.
  • Deferred loans at a 0% interest rate, secured by a Deed of Trust. Loans are reviewed every 36 months at which time Note may be amortized for a maximum term of 15 years or may continue to be deferred.
  • Deferred loans for the elderly with a 0% interest rate, secured by a Deed of Trust. Loans are reviewed every 84 months at which time Note may be amortized for a maximum term of 15 years or may continue to be deferred.

RESIDENCY REQUIREMENTS

  • The home shall be the principal residence of the owner.

TYPES OF IMPROVEMENTS

The following is a partial list of items that can be improved through the program:

  • Roofing & Air Conditioning
  • Windows & Doors
  • Plumbing & Electrical
  • Kitchen Cabinets, Insulation & Weather Proofing,
  • Paint & Floor Coverings
  • Additions
  • Total Reconstruction

APPLICATION.- Please contact the Department of Housing at (760) 337-4543 or stop by our office located at 1249 Main Street, El Centro, California to begin the application process.

THIS PROGRAM IS BEING OFFERED THROUGH THE CITY’S HOME IMPROVEMENT PROGRAM AND IT IS SUBJECT TO FUNDING AVAILABILITY.