Housing Rehabilitation Program

The Office of Community Development administers several grants for Atlantic County and various Municipalities for housing rehabilitation for low income home owners.  The Housing Rehabilitation Program can address all basic rehabilitation needs of a home, meaning plumbing, heating, electric, roof, windows, doors, insulation, exterior repair and painting.

The Conditions of Eligibility for Rehabilitation
In order to qualify for partial grants and/or deferred loans under the Program, applicants must be the property owner and occupant, meet the income criteria as described below, have the home properly insured and have the Municipal property taxes paid up to the current quarter.  An inspector from the Office of Community Development will complete a property inspection and advise you as to which improvements the Program can finance.  A grant is forgiven after 6 years and a deferred loan has one payment at time of sale of the home, or transfer of title.

LOW  INCOME: 100% INTEREST FREE DEFERRED LOAN - To qualify for a 100% interest free deferred loan, a household's income cannot exceed 80% of the Median Income for Atlantic County in accordance with HUD published Section 8 Income Guidelines as follows.

Applicants with assets in excess of $75,000 will not be eligible for participation, Assets, for purposes of the Rehabilitation Program, include savings and checking accounts, stocks, bonds, IRA withdrawals, CD's, Money Markets, Mutual Funds and real estate, other than the applicants primary residence.  Please understand that participating in these grant/loan programs will result in a LIEN being placed on your property until the appropriate repayment is made.

If there are any questions please do not hesitate to call Joseph J. Giralo, Program Administrator at 609-645-5838 at extension 5606 Monday through Friday 8:00 a.m. to 2:00 p.m.