Atlantic County Improvement Authority Projects
The Atlantic County Improvement Authority

Atlantic County Housing Rehabilitation Program

The Office of Community Development administers no-interest, deferred loans for Atlantic County and various Municipalities for housing rehabilitation for very low and low income home owners.  The Housing Rehabilitation Program can address all basic rehabilitation needs of a home, meaning plumbing, heating, electric and roof, plus windows, doors, insulation and exterior repair and painting.

The Conditions of Eligibility for Rehabilitation
In order to qualify for 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 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.

These income levels are (2019):

# of Household Members 80% of Median Income

1 Person


2 Persons


3 Persons


4 Persons


5 Persons


6 Persons


7 Persons


8 Persons



If there are any questions, please do not hesitate to contact Joseph J. Giralo, Program Administrator, at (609)343-2390, ext. 2159, Monday through Friday, 8 a.m. to 2:30 p.m.

Revised April 2015



The ACIA administers Housing Rehabilitation Programs for all Atlantic County municipalities. Activities funded under these programs consist of General Housing Rehabilitation of single family homes including but not limited to Roofs, Heating, Electrical, Plumbing, Weatherization, Septic System Installation, and Debris Removal. Each year we typically fund between 70 and 100 contracts between qualified homeowners and contractors from our approved bidder’s list. The average contract is around $20,000 and depending on funding availability the total of those contracts can be in excess of $1,000,000 per year.

If you are a contractor and would like to participate in the program you must be added to our approved contractors list. You can download a Contractors Application Form here or obtain a copy by contacting Joseph J. Giralo, Program Administrator at the ACIA at 609-343-2390.  Completed applications should be sent to Mr. Giralo at the ACIA at 1333 Atlantic Avenue, Suite 700, Atlantic City, NJ 08401. Women and Minority Businesses are encouraged to apply.


Open Public Record Act Form in PDF format - will open in a new window.

1333 Atlantic Avenue
Suite 700

Atlantic City,NJ 08401

609-343-2188 (Fax)