Home Improvement Programs contractor standing in kitchen

Home Improvement Programs

NPHS’ Home Improvement Programs are designed to assist eligible homeowners to preserve, repair and improve their homes. NPHS administers several home repair programs for various municipalities in the Inland Empire including grants for seniors and permanently disabled homeowners. NPHS also provides the Renaissance Home Improvement Loan to cover the cost of home repairs and improvements.  Additionally, NPHS offers the Sojourner Solar Purchase Program providing the sales, installation and financing of solar panel systems for homeowners.

County of Riverside Senior Home Rehabilitation Grant Program

housing authority of riverside logo sealThe Senior Home Rehabilitation Grant Program is a grant up to $25,000 from the County of Riverside to assist qualified very low-income seniors or disabled homeowners with household incomes up to 50% of the Area Median Income. The grant will assist the homeowners correct health and safety hazards in their homes and improve their quality of life and safety. Only residential owner-occupied dwelling units are qualified for this program which include single-family, duplex, manufactured homes, mobile homes or condominiums located within the former Redevelopment Project Areas and unincorporated communities of the County of Riverside. To find out if you live within the former Redevelopment Project Areas and unincorporated communities of the County of Riverside, please call NPHS at 909- 988-5979. Funding is limited and is provided on a first-come, first-serve basis.

Senior or disabled homeowners residing within the former Redevelopment Project Areas and unincorporated communities of the County of Riverside are eligible. Program eligibility is based on household size and level of income. Households with incomes at or below 50 percent of Area Median Income may be eligible for a grant up to a $25,000 (see table below).

2017- HCD income guidelines

Household Size Maximum Annual Gross Income
1 $23,450
2 $26,800
3 $30,150
4 $33,500
5 $36,200
6 $38,900
7 $41,550
8 $44,250

Health and safety, building code, and accessibility, and some general property related repairs are eligible improvements and may include, but not limited to, the following:

  • Plumbing, electrical, roofing, heating/cooling
  • Structural issues (foundation), ADA improvements
  • Energy efficiency upgrades, lead base testing and abatement
  • Luxury improvements/repairs are not allowed

Funds will be provided to the homeowner in the form of a grant of up to $25,000. Grant amounts not exceeding $15,000 will have a fifteen (15) year affordability period, and amounts from $15,001 to $25,000 will have an affordability period of forty-five (45) years secured by a recorded Covenant Agreement. Monthly payment is not required on the grant amount. However, if the homeowner no longer occupies the property as their primary residence, sells the property or refinances the original first mortgage loan prior to the completion of the fifteen (15) or forty-five (45) year term, the principal amount of the grant is payable in full to the Housing Authority.

If you have any questions or would like to apply for the program, please contact an NPHS Rehabilitation Specialist at: 909-988-5979

County of Riverside Senior Home Rehabilitation Grant Program Brochure
County of Riverside Senior Home Rehabilitation Grant Program Brochure (Spanish)

City of San Bernardino
Owner-Occupied Residential Rehabilitation Loan Program

San Bernardino seal city logoThe City of San Bernardino Owner-Occupied Residential Rehabilitation Program is a forgivable second mortgage loan program 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. Health and safety, building code, and 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

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 (see household income guidelines in brochure below). 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 below.

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

City of San Bernardino Home Rehabilitation Brochure
City of San Bernardino Home Rehabilitation Brochure (Spanish)

The Healthy Homes Grant Program provides essential home safety repair grants for low-income senior citizen, veteran and homeowners with permanent mobility disabilities living throughout San Bernardino, Riverside and Los Angeles Counties.  By installing safety devices, making small repairs, and providing accessibility modifications such as grab bars, door handles, light switches, and exterior steps and ramps, NPHS greatly improves the quality of life for individuals in need.

For additional information on the NPHS Healthy Homes Grant Program, please email Cecilia Gonzalez, Redevelopment Project Coordinator, at cecilia@nphsinc.org and/or call (909) 988-5979.

NPHS in partnership with the City of Chino is providing a one-time grant for home improvements and or modifications which are designed to make the home safer; particularly to cure Health and Safety Code deficiencies or that improve the senior’s quality of life. The grant is for senior citizens or permanently disabled individuals with mobility issues. The grant covers all costs associated with the repairs; including labor, supplies and materials.

The City of Chino Healthy Homes grant is up to $2,500. Applicants must live in Chino and be at least 62 years of age or be disabled with mobility issues. Applications are prioritized for funding purposes on a first-come, first-served basis. Therefore, you are required to complete and return the application within 30 days.

Homeowners whose applications have been accepted for this Program will receive a ONE-TIME GRANT in an amount up to $2,500 for eligible home repairs and in accordance with NPHS’ housing rehabilitation standards as set forth in the Housing Code. The finished rehabilitation work must be free of any Health and Safety Code, Building Code, or other State and local code violations and must, at a minimum, meet Section 8 Housing Quality Standards (HQS).

Applications should be submitted to Cecilia Gonzalez, Redevelopment Project Coordinator via email at cecilia@nphsinc.org or in person at the NPHS Headquarters located at 9551 Pittsburgh Avenue, Rancho Cucamonga, CA 91730.

Chino Healthy Homes Grant Flyer
Chino Healthy Homes Grant Application

Sojourner Makes Purchasing a Solar Panel System Affordable

Sojourner Solar offers homeowners the opportunity to own a solar panel system through a process that is consumer friendly, easy to understand, and more importantly, very affordable. With Sojourner Solar, you own the solar panel system instead of leasing it, which qualifies you to directly benefit from available solar tax credits.

Power from the Sun is Free. Don’t Pay a Premium to Access It!

Qualified homeowners may purchase a solar panel system directly from Sojourner Solar at significantly below retail price with no down payment requirements or any other upfront costs. We are not a marketing or referral service, so by dealing directly with Sojourner Solar you will save on purchasing and installation costs. Call for more information and a free estimate from one of our community friendly solar consultants. There is absolutely no obligation, and we will never sell your contact information to a marketing company.

For additional information on the Sojourner Solar Program and available financing options, please call our Sojourner Solar Consultant at (909)988-5979 or CLICK HERE.

NPHS Home Improvement Loan

The Renaissance Home Repair Loan offers up to $20,000 for each eligible household in the Inland Valley to be used for financing any desired home improvements including health and safety repairs, beautification projects, and energy efficiency upgrades. The purpose of the Renaissance Home Improvement Loan is to provide affordable loan terms to assist low income single-family homeowners (earning below 80% of the Area Median Income) with access to affordable financing options for home improvement projects that will create safe, desirable, and sanitary housing. Most permanent interior and exterior improvements are eligible. Homeowners may also use the loan to finance repairs that will enhance accessibility for disabled individuals and improve the energy efficiency of their home to save on energy costs. Permanent beautification upgrades that will help the borrower build equity, such as kitchen and bathroom remodels, will also be an eligible use of funds. Non-permanent upgrades such as furniture, non- permanent appliances, funds for working capital, debt services, refinancing existing debt, and work initiated prior to approval are not eligible for financing under Renaissance. Funding shall not be provided to rehabilitate or repair dwellings that contain illegal conditions such as, but not limited to, illegal room additions and garage conversions

Financing is provided in the form of a 30 year fully amortized loan at a 3% interest rate for eligible homeowners who currently owner-occupy their home at the time of application. The loan will have monthly payments throughout the duration of the loan. There is no prepayment penalty for borrowers who complete payments ahead of schedule. Borrowers who wish to refinance their home may only do so for a better rate and term from the first mortgage lender. Any cash out refinance scenarios would trigger the NPHS Renaissance Home Improvement Loan becoming due in full. Funds are available on a first come, first served basis with a fully completed intake form.

In order to effectively determine your eligibility, please complete the application below as thoroughly and accurately as possible.  Please note that you must use a licensed contractor for improvements once approved for the loan. The application, along with all required documents must be submitted in order for NPHS staff to review for eligibility.  When you are qualified by NPHS, you will be issued a letter of pre-approval while you begin the process of getting estimates from licensed contractors for the  project cost. Please do not authorize any construction until you have been fully approved and construction is authorized by NPHS.

Applications should be submitted to Curtis Miller, Community Lending & Investment Manager via email at Curtis@nphsinc.org or in person at the NPHS Headquarters located at 9551 Pittsburgh Avenue, Rancho Cucamonga, CA 91730.

If you have questions regarding the application process, please
contact one of our Homeownership Specialist at (909) 988-5979.

Renaissance Home Improvement Loan Flyer
Renaissance Home Improvement Loan Application

For additional information on our Home Improvement Programs, please email Vanessa Navarro, Program Support Specialist, at vanessa@nphsinc.org and/or call (909) 988-5979.