Owner Occupied Home Improvement Program

Households who own and occupy their home and are age and income qualified may be eligible for Owner-Occupied Rehabilitation Programs offered by the City of Rosemead.  Through these programs, funds are available to assist low- and moderate- income (0 to 80% of Maximum Federal Income) homeowners in making certain rehabilitation improvements and upgrades to their single-family residence. Households must income qualify based on guidelines below:

2020 Maximum Income Guidelines 

Household Size (No. of persons)

1

2

3

4

5

6

7

8

Max. Allowable Annual Income

$63,100

$72,100

$81,100

$90,100

$97,350

$104,550

$111,750

$118,950

Based on HUD’s FY 2020 Income Limits for Los Angeles County

Funds for these programs are limited and allocated on a first-come, first- served basis.  The various programs the City offers are as follows: 

Program

Description

Amount

Frequency

Emergency Grant

Emergency grants are available to eligible senior citizens (62 years and older) for corrections to emergency code deficiencies which constitute an immediate health and safety risk.

Maximum of $2,000

 (1) emergency grant

Handyman Grant

Grants are available to eligible senior citizens (62 years and older) or handicapped/disabled citizens who need financial assistance for critical health and safety related improvements. The grant may be used for repairs related to code deficiencies such as new roofs, smoke detectors, and exterior painting.

Maximum of $15,000

(1) grant every five (5) years with a maximum of three (3) grants

Rebate

The Rebate Program provides a 50% reimbursement to homeowners who need financial assistance for a wide range of eligible home improvements.

50% reimbursement not to exceed a Maximum of $15,000

(1)

Rebate

Deferred Loans

The Loan Program provides homeowners financial assistance for housing rehabilitation or reconstruction by providing a zero to three percent (0% to 3%) interest, deferred payment loan.

To maximize the effectiveness of the Loan Program as a vehicle for enhancing affordability, there would be no payments on both the principal or interest of the loan until its maturity date, which is 30 years from the signed Deed of Trust and Promissory Note.

In the event of the sale of a home, transfer of the home, or death of homeowner, the principal and interest are due and payable. Interest is calculated at zero percent (0%) for senior citizens (62 years and older) and handicapped/disabled citizens.  For all others, interest is calculated at a three percent (3%) simple interest rate on the principal owned. 

After-rehab property value cannot exceed 95% of the median purchase price for homes in the area, as approved by HUD.

Based on improvement costs and funding availability without going over the loan-to-value limit

(1)

Loan


Eligible Improvements

Eligible improvements under these programs include, but are not limited to; roofing, weatherization (windows, doors, insulation), heating, plumbing, electrical, painting, window screens, fumigation, carpeting, etc. Some mandatory improvements include such items as installation of smoke detectors, security locks on all doors and windows, and attic insulation. Improvement must be approved by the City of Rosemead's Community Development Department before work begins and must be done by a contractor who is properly licensed through the State of California.

How to Apply

Please download a pre-application here, and submit to the Rosemead Housing Division for pre-screening of program eligibility.

A Housing Division member will review the pre-application and make contact to provide a status and next steps.

If you have any questions regarding this application or need further assistance, please contact Lucia Medina-Whittaker at (626) 569-2153 or by email at housingdivision@cityofrosemead.org.

 

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