NPHS Community Redevelopment Inc logo

City of San Bernardino Owner Occupied Housing Rehabilitation Loan Program

NPHS Community Redevelopment Inc

Foundation Rolling (Quarterly) Housing Grants for NonprofitsAffordable Housing Grants

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

    What NPHS Community Redevelopment Inc actually gave

    Source: IRS Form 990-PF, 2025

    Grants in 2025
    1
    Total given
    $472K
    Median grant
    $472K
    • By dollars: Texas 100%. Top recipient cities: Austin, TX.

    Example grants

    • Next Step Network · Austin, TX

      $472K

    IRS Form 990-PF, 2025. Amounts as reported by the funder. Full 990 history →

    Focus Areas & Funding Uses

    Fields of Work

    housingaffordable-housing

    Categories

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