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City of San Bernardino Owner Occupied Housing Rehabilitation Loan Program

NPHS COMMUNITY REDEVELOPMENT INC

Foundation Rolling (Quarterly) Housing Grants for NonprofitsAffordable Housing Grants
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Funding Amount

Up to $30,000

Deadline

Rolling / Open

Grant Type

foundation

Overview

City of San Bernardino Owner Occupied Housing Rehabilitation Loan Program

Overview: 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.

Award Amount: Up to $30,000 forgivable loan

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

    • (FY 2017 HUD Income Limits, subject to change)

    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

    • How to Apply

    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

    • Apply with Grantable Learn more

    Focus Areas & Funding Uses

    Fields of Work

    housingaffordable-housing

    Categories

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