City of San Bernardino
Owner-Occupied Rehabilitation Loan Program
The City of San Bernardino Owner-Occupied Rehabilitation Program is a 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 violations, 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 $40,000 (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 interest rate of the loan is 3% compounded annually.
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.