Home Repair Program

Geographic Scope: Polk County, Oregon

Polk CDC offers low-interest loans or grants (depending on eligibility) to help homeowners make necessary repairs and accessibility upgrades to their homes. The program also responds to emergency repairs on a case-by-case basis and occasionally has emergency single-use grants available.

Eligible Improvements

The program funds qualified repairs and rehabilitation including:

• Energy efficiency upgrades (insulation, HVAC systems, hot water heaters, windows)
• Health and safety repairs
• Accessibility upgrades
• General home repairs and rehabilitation

Eligibility Requirements

• Income: Household gross annual income must fall within current federal Area Median Income standards for the service area
• Property: Home must be located in Polk County, Oregon and in need of repair
• Ownership: Applicant must own the property or be in the process of buying it and be on title
• Occupancy: Owner must reside in the dwelling being repaired
• Property Taxes: Must be current
• Insurance: Homeowners' insurance must be in place
• Financial Capacity: Applicant must have sufficient equity and repayment ability

Program Components

• Free Home Energy Assessment: Available for all inquiries, focuses on energy efficiency upgrades using Energy Trust of Oregon incentives
• Loans: Low-interest financing options
• Grants: Available in some cases based on eligibility
• Emergency Assistance: Available on a case-by-case basis

Contact Information

Primary Contact: Kimberly Lyell at (503) 831-3173

Mailing Address: P.O. Box 33, Dallas, Oregon 97338

Physical Address: 657 Main St, Dallas, OR 97338

Office Hours: 8am-12pm, 1pm-5pm, Monday-Friday

NMLS Information: Polk CDC NMLS #345525; Kimberly Lyell NMLS #417758; Kelli Burnham NMLS #1257255

Application Process

1. Initial Inquiry: Contact Polk CDC to request a Free Home Energy Assessment and to inquire about current federal household income limits
   • Phone: (503) 831-3173
   • Email: info@polkcdc.org
2. Complete Program Eligibility Questionnaire: Submit the online questionnaire to determine preliminary eligibility based on:
   • Household income verification
   • Property location and condition
   • Ownership status
   • Other basic criteria
3. Initial Review: Polk CDC will contact applicant with initial results
4. Full Eligibility Packet: If preliminary screening indicates potential eligibility, applicant receives a complete Program Eligibility Packet to complete and submit with verifying documentation
5. Packet Review: Polk CDC reviews submitted documentation and determines next steps
6. Property Inspection: If qualified, a Rehabilitation Advisor will inspect the property to:
   • Determine what qualifying repairs are needed
   • Ensure repairs meet program guidelines
   • Assess health, safety, and accessibility priorities
7. Contractor Bids: Applicant requests bids from contractors of their choice (Polk CDC can provide names of qualified contractors upon request)
8. Construction Oversight: Rehabilitation Advisor assists throughout the construction process

Required Materials

• Program Eligibility Questionnaire (completed online)
• Verifying documentation for Program Eligibility Packet (income verification, property documentation, proof of ownership, property tax and insurance documentation)
• Property inspection information
• Contractor bids