Homeowner Housing Rehabilitation Program

NOTE: The Homeowner Housing Rehabilitation Program is currently NOT ACCEPTING applications. Please call 770-535-8274 to be placed on a waiting list.

Program Overview

The Hall County Financial Services department operates a Homeowner Housing Rehabilitation Program that offers a five-year deferred payment loan to qualifying homeowners with 0% interest. Eligible participants must own and occupy a single-family detached home as their principal residence in Hall County. The program is intended to assist qualifying homeowners make essential repairs to their homes.

Hall County Housing Homeowner Rehabilitation Program is a repair and replace program. The replacement products are mid-grade and equivalent to the product being replaced in the home for this project. The emphasis of this program is to address health and safety issues for qualifying homeowners. This program will also focus on the vital life systems of a home, which include, but are not limited to, Electrical, Roof, Plumbing, HVAC, and Environmental Mitigation (Lead-Based Paint and Asbestos).

Program Qualifications

To qualify for the Homeowner Rehabilitation Program:

  • Homeowner must be at or below the income threshold (See chart below)
  • Homeowner must be current on Mortgage and Tax payments
  • Bankruptcies must be at least two years since the date of discharge
  • Homeowner cannot have any liens on the home

 

HUD Income Guidelines for Gainesville, GA MSA for 2020

 

                                Median Income is $75,500

2020

Income Limit Category

 

1 Person

Household

 

2 Person

Household

 

3 Person

Household

 

4 Person

Household

 

5 Person

Household

 

6 Person

Household

 

7 Person

Household

 

8 Person

Household

 

 

 

 

 

 

 

 

 

Extremely Low (30%) Income Limits

 

 

 

$15,200

 

 

 

$17,350

 

 

 

$21,720

 

 

 

$26,200

 

 

 

$30,680

 

 

 

$35,160

 

 

 

$39,640

 

 

 

$44,120

 

 

 

 

 

 

 

 

 

 

Very Low (50%) Income Limits

 

 

$25,250

 

 

$28,850

 

 

$32,450

 

 

$36,050

 

 

$38,950

 

 

$41,850

 

 

$44,750

 

 

$47,600

 

 

 

 

 

 

 

 

 

Low (80%) Income Limits

 

 

$40,400

 

 

$46,150

 

 

$51,900

 

 

  $57,650

 

 

$62,300

 

 

$66,900

 

 

$71,500

 

 

$76,100

 

 

 

 

 

 

 

 

 

Low (120%) Income Limits

 

$60,550

 

$69,200

 

$77,850

 

 

 

$86,500

 

$93,450

 

$100,350

 

$107,300

 

$114,200

 

Note:  These income limits are published annually, and are subject to change by the United States Department of Housing and Urban Development (HUD).  Current figures became effective July 1st, 2020. *Gross Income limits based on household size and grant requirements. 

For more information, call (770) 535-8274 or email Joy Walker.