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We offer a number of
programs to help homeowners modify or repair their existing
property. Please click on one of the programs listed below
or scroll down to review all of our Housing Rehab Services.
For more information you may contact:
Sid Alvarado
HRHA Housing Programs Specialist
(757) 727-1111 ext.314
salvarado@hrha.org
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Deferred HOME Rehabilitation Loan Program
– This is a deferred forgivable loan to help owner occupants of the City
of Hampton to rehabilitate their homes. This program enables homeowners
to bring their principal residence up to minimum property maintenance
code standards. Loan amounts range from a minimum of $1,000 to a maximum
of $25,000 and in some areas up to $50,000. Eligibility for the loan is
based on household income, equity in the property, and other criteria.
Eligibility
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Household income must be 80% or
less of the Area Median Income as determined by HUD. |
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Applicant must be the principal
homeowner and must continue to own and occupy the
home as primary residence during the duration of the loan |
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Applicant's financial condition must
make traditional loans infeasible (typically defined as having
housing debt over 30% of gross monthly income, insufficient
assets to qualify for a commercial loan product.) |
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Max Loan: $25,000 Citywide,
$50,000 in HHV Areas |
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Duration: 10 years, 10% forgiven
per year |
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The loan must be in first or
second lien position |
Property Eligibility
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Property must be located in
Hampton, VA |
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Property must be an individual
detached single family dwelling that has not previously been
rehabilitated under this program |
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Loan to Value ratio (LTV) cannot
be more than 100% of current assessed value |
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Assessment must be below FHA
Mortgage Insurance Limit (according to HUD) |
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Home must be able to become a
contributor to the neighborhood (with respect to size, style and
quality of construction as compared to other homes within a 300’
radius) |
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Property must be covered by
insurance (including flood insurance where applicable) |
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Property taxes must be paid and
current to date (or exempt) |
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Property mortgage must be paid and
current to date |
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Must meet HUD environmental
standards
A checklist for this program my be downloaded by clicking here. |
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BEFORE |
AFTER |
3% HOME Rehabilitation Loan Program – The 3%
loan is designed to help owner occupants of the City of Hampton to
rehabilitate their homes. The program enables homeowners to make home
repairs and improvements to their principal residence. Loan amounts
range from $1,000 to $25,000. Eligibility for the loan is based on
household income, equity in the home, and other criteria. There is a $10
non-refundable application fee for this loan product.
Eligibility
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Household income must be 80% or less of the Area Median Income
as determined by HUD. |
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Applicant must be the principal
homeowner and
must continue to own and occupy the home as primary residence
during the duration of the loan. |
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Total debt ratio less than 45% of
gross income. |
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Duration: 5 to 15 years based on
amount of loan. |
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Lien will be placed against the
property |
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Max Loan: $25,000 Citywide |
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The loan must be in first or second position |
Property Eligibility
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Property must be located in Hampton, VA |
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Property must be an individual detached single family dwelling
that has not previously been rehabilitated under this program. |
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Loan to Value ratio (LTV) cannot be more than 100% of current
assessed value |
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Assessment must be below FHA Mortgage Insurance Limit
(according to HUD |
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Home must be able to become a contributor to the neighborhood
(with respect to size, style and quality of construction as
compared to other homes within a 300’ radius) |
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Property must be covered by insurance (including flood
insurance where applicable) |
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Property taxes must be paid and current to date (or exempt) |
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Property mortgage must be paid and current to date |
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Must meet HUD environmental standards |
A checklist for this program my be downloaded by clicking here.
Weatherization and Energy Efficiency Loan Program – This program
assists homeowners by reducing their heating/cooling costs and
improving the safety of their homes through energy efficiency
measures. The energy efficiency measures performed through the
program include, but are not limited to, air sealing, wall and
ceiling insulation, heating and air system improvements or
replacement, efficiency improvements in electrical system, hot
water tank and pipe insulation. Loan amounts range from a
minimum of $1,000 to a maximum of $25,000. Eligibility for the
loan is based on household income and other criteria.
Eligibility
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Household income must be 80% or less of the Area Median Income
as determined by HUD. |
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Applicant must be the principal
homeowner and must continue to own and occupy the home as
primary residence during the duration of the loan.
Max Loan: $25,000 Citywide |
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Duration: 5 years, 20% forgiven per year |
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Lien will be placed against the
property |
Property Eligibility
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Property must be located in Hampton, VA |
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Property must be an individual detached single family dwelling
that has not previously been rehabilitated under this program. |
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Loan to Value ratio (LTV) cannot be more than 100% of current
assessed value |
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Assessment must be below FHA Mortgage Insurance Limit (according
to HUD) |
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Property must be covered by insurance (including flood insurance
where applicable) |
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Property taxes must current (or exempt) |
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Property mortgage must be current |
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Must meet HUD environmental standards
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Exterior Improvement Loan Program –
HRHA offers grants for residents of the City of Hampton to make
improvements to their principal residence. The program enables residents
to bring their home up to minimum property maintenance code standards.
Loan amounts range from a minimum of $1,000 to a maximum of $10,000.
Eligibility for the loan is based on household income and other
criteria.
Eligibility
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Household income must be 80% or less of the Area Median Income
as determined by HUD. |
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Applicant must be the principal
homeowner and must continue to own and occupy the home as
primary residence during the duration of the loan. |
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Program is contingent on home inspections. |
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Max Loan: $10,000 Citywide |
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Duration: 5 years, 20% forgiven per year |
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Lien will be placed against the
property. |
Property Eligibility
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Property must be located in Hampton, VA |
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Property must be an individual detached single family dwelling
that has not previously been rehabilitated under this program. |
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Loan to Value ratio (LTV) cannot be more than 100% of current
assessed value |
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Assessment must be below FHA Mortgage Insurance Limit (according
to HUD)
Property must be covered by insurance (including flood insurance
where applicable) |
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Property taxes must current (or exempt) |
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Property mortgage must be current |
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Must meet HUD environmental standards
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Exterior Rehabilitation Before |
Exterior Rehabilitation After |
Emergency Grant – The emergency grant
helps owner occupant residents of the City of Hampton make home repairs
to correct an urgent health or safety concern due to a natural disaster.
Examples include significant roof repairs or heating system failure. The
maximum grant amount is $10,000 and the applicant must qualify based on
household income and other criteria.
Eligibility
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Household income must be 80% or less of the Area Median Income
as determined by HUD. |
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Applicant must be the principal
homeowner and must continue to own and occupy the home as
primary residence during the duration of the loan. |
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Max Loan: $10,000 (in a 12 month period) |
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Duration: 5 years, 20% forgiven per year |
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Lien will be placed against the
property |
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The loan must be in first or second lien position. |
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Note: Funds must be used to correct a health and safety issue. |
Property Eligibility
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Property must be located in Hampton, VA. |
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Property taxes must be current |
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Property mortgage must be current |
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Property must be a detached single family dwelling. |
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Loan to Value ratio (LTV) cannot be more than 100% of the
current assessed value. |
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Assessment must be below FHA
Mortgage Insurance Limit (according to HUD) |
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Property must be covered by insurance (including flood insurance
where applicable). |
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Property taxes must be paid and current to date (or exempt). |
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Property mortgage must be paid and current to date |
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100% of funds must address health and safety deficiencies
(electrical, mechanical, plumbing and structural). Preference
will be given to properties damaged as a result of a natural
disaster. Deficiency repairs are made after personal insurance
and or Federal Emergency Management Agency (FEMA) claims. |
Wheelchair Ramp Program – This grant
assists non-ambulatory residents in the City of Hampton in need of a
wheelchair ramp gain access to their home. Applicants must qualify based
on household income. This grant covers the cost of materials to build
the ramp at the recipient’s primary residence.
Eligibility
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Household income must be 100% or less of the Area Median Income
as determined by HUD. |
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Applicant must be the principal homeowner and occupant or have
landlord’s approval. |
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Applicant or applicant’s dependent must be disabled/physically
challenged and non-ambulatory. |
A checklist for this program my be downloaded by clicking here.
HRHA Accessibility Rehabilitation Program
- The Hampton Redevelopment and Housing Authority’s Accessibility
Rehabilitation Program provides an opportunity for residents to receive
accessibility rehabilitation to their homes. The program is funded
through Federal Home Loan Bank, which offers a deferred, no interest
loan to help homeowners with accessibility rehabilitation improvements
to their primary residence. Loan amount is up to $15,000. The amount of
the loan is forgiven at the rate of 20% per year if eligibility criteria
are maintained. If eligibility is not maintained during this period,
loan must be repaid.
Eligibility
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Household income must be 80% or less of the Area Median Income
as determined by HUD. |
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Applicant must be the principal applicant and occupant and must
occupy the property for the duration of the loan. |
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Max Loan: $15,000 |
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Duration: 5 years, 20% forgiven per year |
Eligible Use of Funds
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Rehabilitation of an existing owner-occupied unit |
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Scope is limited to the following to advance accessibility
objectives:
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Exterior ramp, sidewalk, and/or driveway |
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Handicapped bathrooms including toilets, sinks, vanities, grab
bars, and showers |
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Carpentry to widen doors |
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Kitchen cabinets/sinks –
not to exceed 45 percent of maximum
funding |
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Replacement of floor covering –
not to exceed 50 percent of
maximum funding |
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Other rehabilitation –
not to exceed 20 percent of maximum
funding |
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Rehabilitation must be
done to correct a defect or deficiency |
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Eligible Properties
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Owner-occupied 1-4 family properties |
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Townhouse, Condos |
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Cooperatives |
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Manufactured and Mobile Housing |
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Have at least one year current
ownership |
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Life estate |
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Full interest in the fee
title |
Eligible Borrowers
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Have at least one year current
ownership |
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Life estate |
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Full interest in the fee title
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