1. A Brush With Kindness (ABWK)

A Brush With Kindness program (ABWK) is an exterior home preservation and accessibility program that offers painting, ramps, hand rails/grab bars and other minor exterior repair services for homeowners in need. These projects have a maximum benefit amount of $3,000 per household. ABWK helps low-income homeowners impacted by age, disability and familial circumstances, who struggle to maintain the exterior of their homes, reclaim their homes with pride and dignity.

 

This ABWK/Small Repair program is the perfect hand-up solution for those in need, it is not a grant or gift of services. Repayment for the cost of each project will be determined by a sliding scale based on gross household income and current housing expense - some very low income homeowners may not be asked for repayment. For those projects where partial or full repayment may be required for materials/services provided, applicant/s will be extended an interest-free financing option.

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To qualify for our program, the applicant/s must:

 

· Demonstrate need for assistance

Inability of the homeowner to do the project physically and/or financially without HfH/RV assistance

· Low to Moderate Income

Have a household income that is below 80% of current year AMI for Jackson County.

· Willingness to partner

Must be able and willing to provide at least 10 hours of sweat equity for every $1,000 in estimated repairs. (Exceptions/Accommodations can be made for individuals with proven physical limitations.)

 

In addition you must also meet these guidelines:

· Applicants must own and reside in the home needing the repair.

· Home must be located within Jackson County.

· Applicant/s gross annual income must be under 80% of the Federal Median Income Levels for Jackson County (refer to the chart below). Income levels are based on the household size.

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For more information or to inquire about program funding and availability, call our Program Director, Brandon Thoms at 541-779-1983 or email bthoms@roguevalleyhabitat.org.​

 

2. Critical Repair Program (CRP)

​The goal of the critical home repair program is to improve health outcomes for residents who live in sub-standard housing conditions; preserve affordability and sustainability of the residents housing; and help low-income homeowners avoid displacement in the face of short-term crises through access to home repair funds.

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To qualify for our program, applicants must:

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• Need

Must be a low to moderate income household. Approval based on the scope of work for the necessary repair(s) and the inability of the homeowner to do the project (physically/financially).

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• Ability to pay

Have equity available in the home to cover the total costs of repair(s). Repayment based on project costs financed via a zero interest loan. A lien is placed against property until full repayment has been made.

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In addition you must also meet these guidelines:

• Applicants must own and reside in the home that needs critical repair (No rental properties).

• Must not be a manufactured home (in a park or on private land).

• Home must be located within Jackson County.

• Applicant/s gross household annual income must be between 30%-80% of the Federal Median Income Levels for Jackson County (Refer to chart below). Income levels are based on the household size.

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Upon approval applicant/s will be asked to provide the following documentation:

• Homeowners Insurance verification (copy of declaration page).

• Proof of income for applicant and co-applicant (2 years tax returns, most recent 60 days paystubs, Retirement/Disability award letter, Self-employed P & L, etc.).

• Most recent bank statements for all accounts (show name, balance, acct number).

• Copy of Drivers license or ID card (for applicant and co-applicant).

• Copy of Honorable Discharge for US Veterans (if applicable).

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Rogue Valley Habitat for Humanity’s home repair program offers an interest-free loan to cover the costs of critical repairs to your home. Please read the application carefully before completing. Project approvals are determined on a case-by-case basis and are based on funding available for such projects. Other requirements and qualifications may apply.

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For more information or to inquire about program funding and availability, call our Program Director, Brandon Thoms at 541-779-1983 or email bthoms@roguevalleyhabitat.org.