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The applicant is to provide the lender with a proposal completed by a general contractor of choice, detailing the modification improvements that will be needed to make the home accessible. In 2017, NKCDC and Rebuilding Together Philadelphia began a multi-year partnership to bring healthy home repairs to Kensington. Professional contractors and volunteers completed an average of $15,000 of repairs on 33 homes on Somerset Street in the first year. The programs and resources listed below help homeowners with home repairs and improvements.
NKCDC staff can help you find affordable home repair based on your repair needs and income. Here are some of the local programs we direct people to. The Heater Hotline provides free emergency heater repairs for eligible households.
Disability Assistance
If the Heater Hotline staff determine that your heater needs to be replaced, they will forward your application to BSRP. Restore, Repair, Renew Program Offering low-interest loans to help homeowners make home improvements. The Federal Home Loan Bank Home Repair Program partners with homeowners in targeted neighborhoods to make critical repairs at an affordable cost. ACCESS Home Modification loans are available in addition to any downpayment and/or closing cost assistance or HOMEstead funds for which the applicants may qualify. These additional mortgages will NOT be factored into maximum loan-to-value financing limitations.
Habitat conducts a virtual home assessment to determine if the home is a good fit for the FHLB Home Repair Program’s provided services. Attend an FHLB Home Repair Program online information session to learn more about the program and how to apply. If accessing the information session online is challenging for you, our Family Services Team can schedule a telephone information session. Fill out our Program Inquiry Form, or contact the Homeowner Services team at if you fall in one of the categories below. We select neighborhoods based on need, and spend several years working alongside homeowners in those communities to make the biggest possible impact in stabilizing homes, blocks, and the neighborhood as a whole. The FHLB Home Repair Program’s work is currently focused in Mill Creek, Belmont, and Mantua in West Philadelphia, and in Brewerytown, Sharswood, North Philadelphia West, and Strawberry Mansion in North Philadelphia.
COVID-19 ARPA Whole-Home Repairs Program
The lender must provide the appraiser with the contract and supporting documentation so the as completed value of the property can be determined. If you meet the conditions above, contact a PHFA participating lender to start your mortgage application. PHFA also offers homebuyers the opportunity to receive homebuyer counseling and education free of charge through one of its approved counseling agencies.
The ACCESS Home Modification Program provides mortgage loans to assist persons with disabilities or who have a family member living in the household with disabilities who are purchasing a home that needs accessibility modifications. This program provides a deferred payment loan, with no interest, and no monthly payment. The loan becomes due and payable upon sale, transfer, or non-owner occupancy of the property. PHFA will disburse the funds to the contractor with the homebuyer's written approval and secure a certificate of completion.
NEVO'S Construction
We strongly encourage you to seek the assistance of a counselor before you sign a sales agreement, especially if you are a first-time buyer. Additionally, this program provides funding to the counties for construction-related workforce development. The Basic Systems Repair Program provides free repairs to correct electrical, plumbing, heating, limited structural and carpentry, and roofing emergencies in eligible owner-occupied homes in Philadelphia. For military veterans Home Repair for Veterans Since 2011, The Home Depot Foundation has generously funded critical repairs on the homes of veterans through Habitat for Humanity’s Philadelphia Veteran Repair Corps program.
An initial draw in an amount up to 50 percent of the total repair cost may be issued at closing. The checks for each draw must be signed by both the borrower and the contractor. A maximum of two inspections with a charge not to exceed $75 each may be ordered by the lender. The lender will secure the completion certificate from the original appraiser within 90 days of closing.
The Home Depot is an Equal Opportunity/M/F/Vet/Disabled Employer. Learn more about our 4 different work locations. Additional information will be provided during the application process. I have never had a 401K on any job I’ve ever had and this one was the first. They are taking care of me and I thank them for that every day.
Borrowers may not act as their own contractors, unless that is their profession. Applicants are responsible for determining what accessible modifications are required. Most Local Centers for Independent Living and Area Agencies on Aging can provide technical assistance in making this determination.
Improve the environmental health of your property. Receive an attractive rate for this vital home improvement. Questions or concerns regarding this list should be directed to the Homeownership Programs Department.
ACCESS mortgage loans are interest free and have no fees. Applicants must meet the underwriting guidelines for the first mortgage program in which they are applying. Refer to Seller's Guide Appendix A for program guidelines. The program that is best for you will depend on your specific circumstances, such as your credit history and amount of cash savings, as well as your individual preferences. A PHFA approved homebuyer education provider or participating lender can help you decide.
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