Valley Development Initiatives, a private non-profit affiliate of MWVCOG, administers housing rehabilitation loan funds in Aumsville, Aurora, Detroit, Gates, Gervais, Hubbard, Idanha, Jefferson, Silverton, Stayton, Turner, Mt. Angel, Woodburn and the unincorporated areas of Marion County. Funded by Community Development Block Grants from Infrastructure Finance Authority of Oregon Business Development Department, the program offers low interest, deferred payment loans to eligible homeowners for repairs.

Goals of the Housing Rehabilitation Loan Program are:

1. To alleviate health and safety problems and correct city code violations and structural deficiencies in homes
2. To conserve and improve existing affordable housing stock
3. To increase housing opportunities for low and moderate income households
4. To enable lower income residents to remain in their homes, particularly those with disabilities

General Eligibility:

• Residence must be within Marion County or appropriate city limits
• Household income is less than 80% of the area median income for the county
• Acceptable debt to income ratios
• Maximum loan-to-value ratio is 85%
• Property taxes must be current

Income Eligibility –

* Effective April 1, 2022. Total gross income includes, but is not limited to, the following: wages, salaries, tips, commissions, self-employment income, interest, net rental income or income from estates or trusts, dividends, social security benefits, pensions, annuity income, alimony, child support, welfare payments and other public assistance programs, veteran’s benefits, disability benefits, stipends, or living allowances.

 Eligible Repairs:

• Health and safety issues
• Electrical and plumbing upgrades
• Structural repairs
• Heating systems
• Roofing
• Siding
• Weatherization
• Handicapped accessibility
• Pre 1978 housing must comply with HUD’s Lead Based Paint compliance requirements

Questions on the program should be directed to John Schmidt, Grant Administration Specialist, at 503-540-1640.