MWVCOG » Housing Rehabilitation

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:

To alleviate health and safety problems and correct city code violations and structural deficiencies in homes
To conserve and improve existing affordable housing stock
To increase housing opportunities for low and moderate income households
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 2020:

County

Median Family Income estimate for 2020

Income Level

1-Person Family

2-Person Family

3-Person Family

4-Person Family

5-Person Family

6-Person Family

7-Person Family

8-Person Family

Marion

Note 3

$70,600

Low

$24,750

$28,250

$31,800

$35,300

$38,150

$40,950

$43,800

$46,600

Moderate

$39,550

$45,200

$50,850

$56,500

$61,050

$65,550

$70,100

$74,600

Note 3: This County is part of a Primary Metropolitan Statistical Area (PMSA). The income limits are based on the median family income for the entire PMSA including local governments that are not eligible for the state-administered CDBG program. For example, the median family income and income limits for Columbia and Yamhill counties are the same as those for the City of Portland, Clackamas County, Multnomah County, and Washington County. Those of Marion and Polk Counties are the same as Salem PMSA.

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.