City of San Bernardino Owner Occupied Housing Rehabilitation Loan Program

A forgivable second mortgage loan program designed to assist income-eligible homeowners in the City of San Bernardino improve living conditions and meet the City's health and safety code requirements while extending the life of their homes.

Geographic Scope: City of San Bernardino, California (within city limits only)

Income Eligibility: Households at or below 80% of Area Median Income

• 1 person household: $36,150 maximum annual income
• 2 person household: $41,300
• 3 person household: $46,450
• 4 person household: $51,600
• 5 person household: $55,750
• 6 person household: $59,900
• 7 person household: $64,000
• 8 person household: $68,150

Eligible Property Types:

• Owner-occupied single-family detached dwellings
• Townhomes
• Condominiums
• Located within San Bernardino city limits

Eligible Repairs and Improvements:

• Interior/exterior painting
• Plumbing
• Electrical
• Roofing
• Heating
• Structural issues (foundation)
• Landscaping
• Driveway repair/replacement
• Bedroom/bathroom additions to relieve overcrowding
• ADA improvements
• Energy efficiency upgrades
• Health and safety, building code, and accessibility repairs
• General property-related repairs

What Is NOT Covered:

• Luxury improvements/repairs

Loan Terms:

• Type: Deferred payment loan (second mortgage)
• Term: 10 years
• Interest Rate: 0% (zero percent)
• Forgiveness Schedule: Beginning year 6, 20% of loan forgiven annually
• Security: Promissory Note and Deed of Trust

Repayment Triggers (loan due and payable if):

• Homeowner sells the property
• Homeowner no longer occupies property as permanent residence
• Homeowner transfers title
• Homeowner refinances without City approval
• Homeowner fails to maintain property in decent, safe, sanitary condition
• Primary mortgage falls into default or foreclosure

Other Requirements:

• Homeowner must maintain flood and fire insurance for duration of loan
• Funding provided on first-come, first-serve basis
• Occupants not eligible for temporary relocation benefits unless health/safety threats determined by City
• All repairs performed by qualified, licensed, insured contractors with valid City business registration

Contact Information:

• NPHS Home Rehabilitation Specialist: (909) 988-5979
• City of San Bernardino, Department of Economic and Housing Development
• Phone: 909-384-7268
• Website: www.SBCity.org
• Mailing Address: 290 North D Street, San Bernardino, CA 92401

Application Process

How to Apply:

• Contact an NPHS Home Rehabilitation Specialist at (909) 988-5979 to inquire or apply
• OR contact City of San Bernardino directly:
  • Phone: 909-384-7268
  • Website: www.SBCity.org
  • Mailing Address: 290 North D Street, San Bernardino, CA 92401

Application Materials Available:

• CITY OF SAN BERNARDINO HOME REHABILITATION BROCHURE
• PROGRAMA DE REHABILITACIÓN DE VIVIENDA PROPIETARIA (Spanish version)

Financial Assistance Delivery:

• Assistance provided in the form of a deferred payment loan
• Term: 10 years at 0% interest
• Beginning year 6: 20% annual forgiveness

Processing Notes:

• Funding is limited
• First-come, first-serve basis
• All work performed by qualified, licensed, insured contractors