Federal Home Loan Bank (FHLB) Repair Program North Philadelphia - PowerPoint PPT Presentation

Federal Home Loan Bank (FHLB) Repair Program North Philadelphia & West Philadelphia Repair Program

Who is Habitat for Humanity Philadelphia? Housing nonprofit organization that works in partnership with eligible Working in Philadelphia Philadelphia homeowners for over 30 years to provide affordable home repair services. Built over 220 affordable Repaired over 500 homes homes for for low-income families homeownership

What we do… We repair homes in partnership with homeowners in low-income neighborhoods to keep homes SAFE, WARM, and DRY by addressing…. Critical Home Repairs: – Weatherization – Façade Improvement – Health and Safety – Aging in Place – Referrals for Wrap-Around Services

What we do… • Habitat provides a full house assessment and we prioritize the work that needs to be done on your home to ensure that it is safe, warm and dry. • Habitat focuses on critical repairs designed to make it possible to keep you safely in your home. • Habitat performs repairs done by skilled, supervised volunteer labor, trained Habitat staff and licensed and insured subcontractors to provide affordable repairs.

Selection for the Repair Program is Based on…. Willingness to Need Ability to Pay Partner • Household income at • Turn in complete • Pay a flat fee, in four or below 80% AMI application and equal payments, required based on your • Owners unable to documentation income afford repair • Make home available for required assessments, estimate and repair schedules • Complete Sweat Equity Both HOMEOWNER and HOUSE must be a good fit for this program • **Applicants with a member of the household who has verified disabilities will be • prioritized for service in this particular program

House Eligibility Habitat looks to some of these factors to determine whether your home is eligible for our services: Structural Water infiltration hazards High utility Safety issues bills/energy use Homeowner’s Exterior quality of life disrepair within the home

House Eligibility (cont.) o Necessary work must be within the capacity and budget of the program. o Homes must be safe and accessible for staff, subcontractors, and volunteers. o Homes with elevated levels of garbage, animal waste and pest infestation may not be considered until the issue has been resolved by the homeowner. o Homes with residential zoning violations may not be considered.

House Eligibility (cont.) Owner-occupied home • The applicant must be an owner of the home and live in it. • The house to be repaired must be the only house you own. Clear title to property • The deed to the house must be in the applicant’s name, or the applicant must be working to clear up ownership. Up to date on taxes • The applicant cannot owe the City property taxes, or must be up-to-date in a property tax agreement with the City. Up to date on mortgage • The applicant cannot be delinquent in paying a mortgage on the home, or must be “current” in a payment agreement with the lender. Home in designated service neighborhood • The house must be within the designated neighborhood boundaries • There may be other Habitat Repair programs that are available to you if your home is not in these areas.

Fee for Repairs o Repair services will be offered at a flat fee based upon homeowner income o Payable in four equal payments o First payment is due at contract signing o Applicant must be willing to provide updated income verification documentation if necessary when the repair project is complete

Income Guidelines • This FHLB repair program serves households with a maximum income of 80% of Area Median Income (“AMI”) • 2020 HUD Income Guidelines Household Maximum Income (80% AMI) Size $ 54,150 1 2 $61,850 3 $69,600 $ 77,300 4 5 $83,500 6 $89,700

Flat Fee Scale Households will pay a flat fee based on their household AMI. 1 st Payment Household Total Flat Fee 3 Additional AMI Due at Sign-On Monthly Payments 0-20% $350.00 $87.50 $87.50 21-40% $750.00 $187.50 $187.50 41-80% $1,000.00 $250.00 $250.00

Service Area for…. • North Philadelphia • Northern border: Susquehanna Ave. • Southern border: Poplar St. • Western border: North 33 rd St. • Eastern border (varies): N. 23 rd St., N. 24 th and N. 25 th

Service Area for…. • Mantua • Mill Creek • Belmont Western borders: N. 51 st St. to • Haverford Ave. • North Eastern borders: Belmont Ave. to 36 th St. & Mantua Ave. • Eastern borders: Mantua Ave. to N. 36 th St. & Spring Garden St. Northern borders: N. 48 th St. and Girard Ave. to • N. 44 th St. & W. Girard Ave. Southern borders: N. 51 st St. & Haverford Ave. • to N. 40 th St. & Haverford Ave. N. 40 th St . & Spring Garden Ave. to 36 th St. & Spring Garden St.

Timeline • No Application Deadline • Limited number of projects Complete Application • Fill out as completely as possible - - if you need help, contact Habitat • Applicants will be notified Home for Home Assessments Assessment done by Habitat staff • 1-3 months after Program completed application Acceptance is submitted • The duration of each Project project will vary based on Work project size (work days are not typically consecutive)

Click here to take the quiz! Thank you! If you have questions, contact: Tiffany Gilliam tiffanyg@habitatphiladelphia.org Lois Napper loisn@habitatphiladelphia.org 215-765-6000 x 18