NPHS Home Repair Loan Programs
The NPHS Manufactured Home Improvement Loan Program provides up to $50,000 for each eligible household in eligible areas of San Bernardino County to be used for financing manufactured home improvements that address necessary health and safety repairs. The purpose of the NPHS Manufactured Home Improvement Loan Program is to provide affordable loan terms to assist low-income single-family manufactured homeowners (earning below 80% of the Area Median Income) with access to deferred financing options for manufactured home improvement projects that will create safe, desirable, and sanitary housing. Homeowners may also use the loan to finance repairs that will enhance accessibility for disabled individuals.
The Deferred Home Improvement Loan Program provides up to $50,000 for each eligible household in eligible areas of San Bernardino County to be used for financing home improvements that address necessary health and safety repairs. The purpose of the Deferred Home Improvement Loan Program is to provide affordable loan terms to assist low-income single-family homeowners (earning below 80% of the Area Median Income) with access to deferred financing options for home improvement projects that will create safe, desirable, and sanitary housing. Homeowners may also use the loan to finance repairs that will enhance accessibility for disabled individuals.
The Resilience Loan Program helps Inland Valley homeowners of single-family homes, townhomes, condominiums, and manufactured homes on a permanent foundation to complete comprehensive home repairs and enhance their home’s defense against wildfire threats. Resilience provides up to $25,000 for eligible home repairs, and up to $50,000 if home repairs include the Wildfire Prepared Home® designation from the Insurance Institute for Business and Home Safety (IBHS) which will improve the likelihood of insurance coverage.
Designed to address urgent retrofitting needs, RESILIENCE Now provides up to $5,000 in financing for income-eligible homeowners. This version enables homeowners to make immediate retrofits necessary to reinstate their homeowner’s insurance and attain IBHS’s Wildfire Prepared Home designation. The loan is repayable over three years, offering an affordable repayment schedule for borrowers.