Partnership Provides Home Repair Loans to Qualified Home Owners

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NPHS is partnering with the City of San Bernardino to administer the Owner-Occupied Residential Rehabilitation Loan Program to create safe and healthy living homes for qualified homeowners. The home rehabilitation program is a forgivable second mortgage loan designed to assist income-eligible San Bernardino homeowners improve the living conditions of their homes to meet the City’s health and safety code requirements and extend the lives of their homes. Only owner-occupied single-family detached dwellings, townhomes and condominiums located within San Bernardino city limits qualify for this program. Program eligibility is based on household size and level of income. Households with incomes at or below 80 percent of Area Median Income may be eligible for a loan up to a $30,000. Health and safety, building code, accessibility, and some general property related repairs are eligible for reimbursement.

Improvements may include, but not limited to, the following:
• 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

Financial assistance will be provided to the homeowner in the form of a deferred payment loan secured with a Promissory Note and a Deed of Trust. The term of the deferred payment loan is 10 years. The interest rate of the loan is zero percent. Beginning, at year six (6) of the loan period twenty percent of the loan will be forgiven on an annual basis.

The deferred payment loan will become due and payable under certain conditions such as upon the sale of the property, or no longer occupying the property as their permanent residence. Funding is limited and provided on a first-come, first-serve basis. For additional terms, conditions and requirements, please download the program brochure here.

If you have questions or would like to apply for this program, please contact an NPHS Home Rehabilitation Specialist at: (909) 988–5979.

For more information on the City of San Bernardino Program, please click here.