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Aaron Carter, Director of Community Development was featured on the television program Round Robin.  He shared home repair assistance options available for low income, elderly, and disabled Hampton residents.  You can view the program online here.

 

 

 

We offer a number of programs to help homeowners modify or repair their existing property.  Please click on one of the programs listed below or scroll down to review all of our Housing Rehab Services.  For more information you may contact:

Sid Alvarado
HRHA Housing Programs Specialist
(757) 727-1111 ext.314

salvarado@hrha.org
 

bullet Deferred HOME Rehabilitation Loan Program
bullet 3% HOME Rehabilitation Loan Program
bullet Weatherization and Energy Efficiency Home Loan Program
bullet Exterior Improvement Loan Program
bullet Emergency Grant
bullet Wheelchair Ramp Program
bullet Accessibility Rehabilitation Program

Deferred HOME Rehabilitation Loan Program – This is a deferred forgivable loan to help owner occupants of the City of Hampton to rehabilitate their homes. This program enables homeowners to bring their principal residence up to minimum property maintenance code standards. Loan amounts range from a minimum of $1,000 to a maximum of $25,000 and in some areas up to $50,000. Eligibility for the loan is based on household income, equity in the property, and other criteria.

Eligibility

bullet Household income must be 80% or less of the Area Median Income as determined by HUD.
bullet Applicant must be the principal homeowner and must continue to own and occupy the home as primary residence during the duration of the loan
bullet Applicant's financial condition must make traditional loans infeasible (typically defined as having housing debt over 30% of gross monthly income, insufficient assets to qualify for a commercial loan product.)
bullet Max Loan: $25,000 Citywide, $50,000 in HHV Areas
bullet Duration: 10 years, 10% forgiven per year
bullet The loan must be in first or second lien position

Property Eligibility

bullet Property must be located in Hampton, VA
bullet Property must be an individual detached single family dwelling that has not previously been rehabilitated under this program
bullet Loan to Value ratio (LTV) cannot be more than 100% of current assessed value
bullet Assessment must be below FHA Mortgage Insurance Limit (according to HUD)
bullet Home must be able to become a contributor to the neighborhood (with respect to size, style and quality of construction as compared to other homes within a 300’ radius)
bullet Property must be covered by insurance (including flood insurance where applicable)
bullet Property taxes must be paid and current to date (or exempt)
bullet Property mortgage must be paid and current to date
bullet Must meet HUD environmental standards


A checklist for this program my be downloaded by clicking here.


BEFORE


AFTER

3% HOME Rehabilitation Loan Program – The 3% loan is designed to help owner occupants of the City of Hampton to rehabilitate their homes. The program enables homeowners to make home repairs and improvements to their principal residence. Loan amounts range from $1,000 to $25,000. Eligibility for the loan is based on household income, equity in the home, and other criteria. There is a $10 non-refundable application fee for this loan product.

Eligibility

bullet Household income must be 80% or less of the Area Median Income as determined by HUD.
bullet Applicant must be the principal homeowner and must continue to own and occupy the home as primary residence during the duration of the loan.
bullet Total debt ratio less than 45% of gross income.
bullet Duration: 5 to 15 years based on amount of loan.
bullet Lien will be placed against the property
bullet Max Loan: $25,000 Citywide
bullet The loan must be in first or second position

Property Eligibility

bullet Property must be located in Hampton, VA
bullet Property must be an individual detached single family dwelling that has not previously been rehabilitated under this program.
bullet Loan to Value ratio (LTV) cannot be more than 100% of current assessed value
bullet Assessment must be below FHA Mortgage Insurance Limit (according to HUD
bullet Home must be able to become a contributor to the neighborhood (with respect to size, style and quality of construction as compared to other homes within a 300’ radius)
bullet Property must be covered by insurance (including flood insurance where applicable)
bullet Property taxes must be paid and current to date (or exempt)
bullet Property mortgage must be paid and current to date
bullet Must meet HUD environmental standards



A checklist for this program my be downloaded by clicking here.

 


Weatherization and Energy Efficiency Loan Program – This program assists homeowners by reducing their heating/cooling costs and improving the safety of their homes through energy efficiency measures. The energy efficiency measures performed through the program include, but are not limited to, air sealing, wall and ceiling insulation, heating and air system improvements or replacement, efficiency improvements in electrical system, hot water tank and pipe insulation. Loan amounts range from a minimum of $1,000 to a maximum of $25,000. Eligibility for the loan is based on household income and other criteria.

Eligibility

bullet Household income must be 80% or less of the Area Median Income as determined by HUD.
bullet Applicant must be the principal homeowner and must continue to own and occupy the home as primary residence during the duration of the loan.
Max Loan: $25,000 Citywide
bullet Duration: 5 years, 20% forgiven per year
bullet Lien will be placed against the property

Property Eligibility

bullet Property must be located in Hampton, VA
bullet Property must be an individual detached single family dwelling that has not previously been rehabilitated under this program.
bullet Loan to Value ratio (LTV) cannot be more than 100% of current assessed value
bullet Assessment must be below FHA Mortgage Insurance Limit (according to HUD)
bullet Property must be covered by insurance (including flood insurance where applicable)
bullet Property taxes must current (or exempt)
bullet Property mortgage must be current
bullet Must meet HUD environmental standards
 

Exterior Improvement Loan Program – HRHA offers grants for residents of the City of Hampton to make improvements to their principal residence. The program enables residents to bring their home up to minimum property maintenance code standards. Loan amounts range from a minimum of $1,000 to a maximum of $10,000. Eligibility for the loan is based on household income and other criteria.

Eligibility

bullet Household income must be 80% or less of the Area Median Income as determined by HUD.
bullet Applicant must be the principal homeowner and must continue to own and occupy the home as primary residence during the duration of the loan.
bullet Program is contingent on home inspections.
bullet Max Loan: $10,000 Citywide
bullet Duration: 5 years, 20% forgiven per year
bullet Lien will be placed against the property.

Property Eligibility

bullet Property must be located in Hampton, VA
bullet Property must be an individual detached single family dwelling that has not previously been rehabilitated under this program.
bullet Loan to Value ratio (LTV) cannot be more than 100% of current assessed value
bullet Assessment must be below FHA Mortgage Insurance Limit (according to HUD)
Property must be covered by insurance (including flood insurance where applicable)
bullet Property taxes must current (or exempt)
bullet Property mortgage must be current
bullet Must meet HUD environmental standards
 


Exterior Rehabilitation Before


Exterior Rehabilitation After

Emergency Grant – The emergency grant helps owner occupant residents of the City of Hampton make home repairs to correct an urgent health or safety concern due to a natural disaster. Examples include significant roof repairs or heating system failure. The maximum grant amount is $10,000 and the applicant must qualify based on household income and other criteria.

Eligibility

bullet Household income must be 80% or less of the Area Median Income as determined by HUD.
bullet Applicant must be the principal homeowner and must continue to own and occupy the home as primary residence during the duration of the loan.
bullet Max Loan: $10,000 (in a 12 month period)
bullet Duration: 5 years, 20% forgiven per year
bullet Lien will be placed against the property
bullet The loan must be in first or second lien position.
bullet Note: Funds must be used to correct a health and safety issue.

Property Eligibility

bullet Property must be located in Hampton, VA.
bullet Property taxes must be current
bullet Property mortgage must be current
bullet Property must be a detached single family dwelling.
bullet Loan to Value ratio (LTV) cannot be more than 100% of the current assessed value.
bullet Assessment must be below FHA Mortgage Insurance Limit (according to HUD)
bullet Property must be covered by insurance (including flood insurance where applicable).
bullet Property taxes must be paid and current to date (or exempt).
bullet Property mortgage must be paid and current to date
bullet 100% of funds must address health and safety deficiencies (electrical, mechanical, plumbing and structural). Preference will be given to properties damaged as a result of a natural disaster. Deficiency repairs are made after personal insurance and or Federal Emergency Management Agency (FEMA) claims.

Wheelchair Ramp Program – This grant assists non-ambulatory residents in the City of Hampton in need of a wheelchair ramp gain access to their home. Applicants must qualify based on household income. This grant covers the cost of materials to build the ramp at the recipient’s primary residence.

Eligibility

bullet Household income must be 100% or less of the Area Median Income as determined by HUD.
bullet Applicant must be the principal homeowner and occupant or have landlord’s approval.
bullet Applicant or applicant’s dependent must be disabled/physically challenged and non-ambulatory.



A checklist for this program my be downloaded by clicking here.

 

 

HRHA Accessibility Rehabilitation Program - The Hampton Redevelopment and Housing Authority’s Accessibility Rehabilitation Program provides an opportunity for residents to receive accessibility rehabilitation to their homes. The program is funded through Federal Home Loan Bank, which offers a deferred, no interest loan to help homeowners with accessibility rehabilitation improvements to their primary residence. Loan amount is up to $15,000. The amount of the loan is forgiven at the rate of 20% per year if eligibility criteria are maintained. If eligibility is not maintained during this period, loan must be repaid.

Eligibility

bullet Household income must be 80% or less of the Area Median Income as determined by HUD.
bullet Applicant must be the principal applicant and occupant and must occupy the property for the duration of the loan.
bullet Max Loan: $15,000
bullet Duration: 5 years, 20% forgiven per year

Eligible Use of Funds

bullet Rehabilitation of an existing owner-occupied unit
bullet Scope is limited to the following to advance accessibility objectives:
bullet Exterior ramp, sidewalk, and/or driveway
bullet Handicapped bathrooms including toilets, sinks, vanities, grab bars, and showers
bullet Carpentry to widen doors
bullet Kitchen cabinets/sinks – not to exceed 45 percent of maximum funding
bullet Replacement of floor covering – not to exceed 50 percent of maximum funding
bullet Other rehabilitation – not to exceed 20 percent of maximum funding
bullet Rehabilitation must be done to correct a defect or deficiency

Eligible Properties

bullet Owner-occupied 1-4 family properties
bullet Townhouse, Condos
bullet Cooperatives
bullet Manufactured and Mobile Housing
bullet Have at least one year current ownership
bullet Life estate
bullet Full interest in the fee title

Eligible Borrowers

bullet Have at least one year current ownership
bullet Life estate
bullet Full interest in the fee title
 

If you need assistance due to language barriers, mobility impairments, visual or hearing impairments or other disabilities when accessing our services, please let us know so we can provide necessary accomodations.
Copyright 1998-2013 Hampton Redevelopment and Housing Authority