Housing Rehabilitation
The Housing Rehabilitation Program assists qualifying very low, low, and moderate-income homeowners in target areas to rehabilitate their home with a combination payback and forgivable loan. Temporary Relocation Services are provided under the City of Lubbock’s Optional Relocation Policy during the rehabilitation.
Purpose ~ Requirements ~ Targeted Neighborhoods ~ Income Guidelines ~ Loans Available?
Purpose of the Program
To bring homes located in the City of Lubbock into compliance with the minimum housing code. This includes:
Heating ● Plumbing ● Electrical Systems
Other repairs which can be done include interior and exterior painting, roof replacement, installation of storm windows, storm doors, insulation. (bedroom or bathroom additions may be approved under limited conditions).
On houses built prior to 1978, Lead Base Paint regulations may come into play. In these cases, additional expenses may be incurred to cover lead abatement, or if the cost of alleviating lead is too costly, the case may be ineligible for assistance.
Heating ● Plumbing ● Electrical Systems
Other repairs which can be done include interior and exterior painting, roof replacement, installation of storm windows, storm doors, insulation. (bedroom or bathroom additions may be approved under limited conditions).
On houses built prior to 1978, Lead Base Paint regulations may come into play. In these cases, additional expenses may be incurred to cover lead abatement, or if the cost of alleviating lead is too costly, the case may be ineligible for assistance.
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Program Requirements
1. Home must be located in a targeted area.
2. Homeowner & resident of single-family home within Lubbock City limits.
3. Be at or below 80% of Median Income for family size.
4. Provide recorded Warranty Deed.
5. No delinquent government debt or judgments on credit history or title search.
6. Property taxes must be current.
7. Stable Income and ability to pay debts.
8. Meet debt-to-income/housing expense-to-income ratios.
9. Property hazard insurance required at closing of loan.
10. Other qualifications as required.
2. Homeowner & resident of single-family home within Lubbock City limits.
3. Be at or below 80% of Median Income for family size.
4. Provide recorded Warranty Deed.
5. No delinquent government debt or judgments on credit history or title search.
6. Property taxes must be current.
7. Stable Income and ability to pay debts.
8. Meet debt-to-income/housing expense-to-income ratios.
9. Property hazard insurance required at closing of loan.
10. Other qualifications as required.
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Targeted Neighborhoods
Street Borders for Target Neighborhoods
Under the Lubbock City Council‘s guidance, the Community Development Department takes a concentrated approach to community revitalization. By choosing small areas in which to concentrate programs, success will be realized sooner. HUD considers Block Group areas eligible if over 51 percent of their population is below 80 percent of the median income for the City of Lubbock. Areas, which are eligible under this definition, are considered for targeting. Needs and conditions of all eligible neighborhoods are evaluated in the process. Target areas are chosen through a process that coordinates recommendations of Community Development, Services Board members, neighborhood associations, citizens, and the City Council.
Target Areas 2004-2009
Under the Lubbock City Council‘s guidance, the Community Development Department takes a concentrated approach to community revitalization. By choosing small areas in which to concentrate programs, success will be realized sooner. HUD considers Block Group areas eligible if over 51 percent of their population is below 80 percent of the median income for the City of Lubbock. Areas, which are eligible under this definition, are considered for targeting. Needs and conditions of all eligible neighborhoods are evaluated in the process. Target areas are chosen through a process that coordinates recommendations of Community Development, Services Board members, neighborhood associations, citizens, and the City Council.
Target Area 1
Alcove Avenue, 4th Street, Upland Avenue, 34th Street
Target Area 2
Milwaukee, 19th Street, Loop 289 West, 34th Street, Kewanee, 28th Street
Target Area 3
Slide, 34th Street, Utica, 39th Street
Target Area 4
Utica, 42nd Street, Quaker, 50th Street
Target Area 5
Birch, Kent, Martin Luther King, North Loop 289
Alcove Avenue, 4th Street, Upland Avenue, 34th Street
Target Area 2
Milwaukee, 19th Street, Loop 289 West, 34th Street, Kewanee, 28th Street
Target Area 3
Slide, 34th Street, Utica, 39th Street
Target Area 4
Utica, 42nd Street, Quaker, 50th Street
Target Area 5
Birch, Kent, Martin Luther King, North Loop 289
Target Area 6
Martin Luther King, Auburn, Zenith, Parkway
Target Area 7
Parkway, Idalou Rd, 4th Street
Target Area 8
Idalou Road, Loop 289 East, East 19th Street
Target Area 9
East 19th Street, Loop 289 East, Southeast Drive, Martin Luther King
Martin Luther King, Auburn, Zenith, Parkway
Target Area 7
Parkway, Idalou Rd, 4th Street
Target Area 8
Idalou Road, Loop 289 East, East 19th Street
Target Area 9
East 19th Street, Loop 289 East, Southeast Drive, Martin Luther King
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Income Guidelines
Applicants must be at or below the following income guidelines:
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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What Home Improvement Loans Are Available?
Below Market Rate Loan (BMRL): This is a 3% loan with a monthly payment. Terms up to 30 years are available.
The maximum loan is $42,000.00.
No Interest Deferred Payment Loan (NIDP): This is a forgivable loan over a flexible term. Recipients of this loan must own and occupy the property during the term of the loan. Maximum loan is $42,000.00.
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.
No Interest Deferred Payment Loan (NIDP): This is a forgivable loan over a flexible term. Recipients of this loan must own and occupy the property during the term of the loan. Maximum loan is $42,000.00.
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.
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