Loan program helps the needy make critical home repairs |

Loan program helps the needy make critical home repairs

USDA-Rural Development is now accepting applications for its 504 Home Repair Loan program for the residents of Garfield County. These federal government loans can be in amounts up to $20,000, with a repayment term to 20 years at a one percent interest rate. In certain circumstances, emergency grants are available to homeowners older than 62.These loans are available to very low-income homeowners, $31,600 per year or less for a household of four (adjusted for family size), that need necessary health and safety repairs to their home they cannot otherwise afford. Common repairs are window replacement, insulation, roof replacement/repair, new hot-water heater/plumbing, furnace repair or replacement, handicap accessibility and some modernization. The main goal of this program is to eliminate any health concerns or local code violations in the home so it can be occupied safely and efficiently. The application process is simple. Although the local Rural Development office is in Craig, most everything can be done over the phone and through the mail. Find out more about this program by calling P.J. Howe at (970) 824-3476 ext. 111.USDA Rural Development’s mission is to deliver programs in a way that will support increasing economic opportunity and improve the quality of life of rural residents. Rural Development provides investment and technical assistance to finance and foster growth in home ownership, business development and critical community and technology infrastructure.

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