Homeowner's Exterior & Energy Efficiency Loan Program (HEEELP)
The main purpose of this program is to improve neighborhoods by helping low to moderate-income families and individuals within the city limits by making limited exterior repairs and/or to provide energy efficient improvements to the home. This program generates income, which is returned to the program for future use.
Eligible Repairs: heat & air, roofs, sidewalks & driveways, fences, painting, windows & doors, water heaters , termite extermination, fill in dilapidated cellars & basements, insulation, other energy efficient measures (as recommended by the Housing Inspector).
Until further notice, the waiting list is closed due to reduced funding.
What is the purpose of the program? ~ How does the program work? ~ Income Guidelines ~ Program Requirements
What is the purpose of the program?
To provide exterior and energy efficient type repairs to owner-occupied single-family homes. Eligible repairs include the following:
- heat & air
- roofs
- sidewalks & driveways
- fences
- painting
- windows & doors
- water heaters
- termite extermination
- fill in dilapidated cellars & basements
- insulation
- other energy efficient measures (as recommended by the Housing Inspector)
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How does the Program Work?
Eligible applicants may qualify for a low interest rate loan (BMRL) and/or a forgivable loan at zero interest (NIDP).
Very, very low income applicants may qualify for a straight NIDP Loan. Other applicants will qualify for a combination of both loans. The higher the applicant’s income, the more the BMRL loan.
Below Market Rate Loan (BMRL) - This is a 3% loan with a flexible term up to 10 years. The maximum loan is $15,000.00.
No Interest Deferred Payment Loan (NIDP) - This is a forgivable loan over a 5-year term. Recipients of this loan must own and occupy the property during the term of the loan. Maximum loan is $15,000.00.
Very, very low income applicants may qualify for a straight NIDP Loan. Other applicants will qualify for a combination of both loans. The higher the applicant’s income, the more the BMRL loan.
Below Market Rate Loan (BMRL) - This is a 3% loan with a flexible term up to 10 years. The maximum loan is $15,000.00.
No Interest Deferred Payment Loan (NIDP) - This is a forgivable loan over a 5-year term. Recipients of this loan must own and occupy the property during the term of the loan. Maximum loan is $15,000.00.
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Income Guidelines
Applicants must be at or below the following:
Federal Income Guidelines
| Family Size | 80% of Median |
| 1 | $28,100 |
| 2 | $32,100 |
| 3 | $36,150 |
| 4 | $40,150 |
| 5 | $43,350 |
| 6 | $46,550 |
| 7 | $49,800 |
| 8 | $53,000 |
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Program Requirements
- Homeowner & resident of single-family home within Lubbock City limits.
- Be at or below 80% of Median Income for family size.
- Provide recorded Warranty Deed.
- No delinquent government debt or judgments.
- Property taxes must be current.
- Stable Income and ability to pay debts.
- Meet debt-to-income/ housing expense-to-income ratios.
- Property hazard insurance required at closing of loan.
- Other qualifications as required.
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