Repair & Maintenance

Home repair & maintenance

The NeighborWorks Umpqua Housing Rehabilitation Program offers inexpensive financing to qualified low- to moderate-income homeowners with home repair & maintenance needs. We can provide 0% interest deferred-payment loans to help you replace your roof, upgrade your septic system, retrofit aging electrical panels, and correct other health- and safety-related problems. And best of all, if you want to do some of the work yourself, we can teach you how!

How do I qualify for a home rehabilitation loan?

You may qualify for our Housing Rehabilitation Program if you:

  • Live in Douglas, Coos or Curry County
  • Meet the income guidelines below
  • Have sufficient equity to qualify for the amount of the loan
  • Are up-to-date on your mortgage and property taxes
  • Have current homeowner’s insurance
  • Own property that is free of non-mortgage liens

If you own a manufactured home, additional restrictions may apply.

Income guidelines (2015)

Coos/Douglas Counties

1 person family $29,200
2 person family $33,400
3 person family $37,550
4 person family $41,700
5 person family $45,050
6 person family $48,400
7 person family $51,750
8 person family $55,050

Curry County

1 person family $30,200
2 person family $34,500
3 person family $38,800
4 person family $43,100
5 person family $46,550
6 person family $50,000
7 person family $53,450
8 person family $56,900

Loan limits apply based on property and program limits and may not exceed $25,000 or available equity, whichever is less.

To learn more about our Housing Rehabilitation Program, contact one of our NeighborWorks Umpqua rehabilitation specialists:

Douglas County

Coos and Curry County

Waiting list

There is a waiting list in some locations. Priority repairs, such as leaking roofs, leaking plumbing and no heat source may move ahead of other projects on the wait list. Our Self-Help Rehabilitation Program—where the homeowner or a friend does a portion of the work—generally has a shorter waiting list.

If you are interested in being placed on a waiting list for home repair, please complete the Home Rehabilitation Interest Form below and you will be contacted by a Housing Rehabilitation Specialist.

Home Rehabilitation Interest Form

Dream$avers Individual Development Account (IDA)

If your home needs health and safety repairs, you may also qualify for a matched savings program called Dream$avers that will help you quadruple your savings toward home improvement. This can be a great way to pass the time while you are on the Housing Rehabilitation waiting list, and can significantly reduce the amount you need to borrow!

Looking for quality salvaged building materials?

If you are looking for affordable and sustainable ways to improve, repair or renovate your home, visit our Heartwood ReSources recycling store in Roseburg, Oregon to find low cost reclaimed construction materials.

If you are a contractor interested in joining the NeighborWorks Umpqua housing rehabilitation resource team, contact us.

Self-help housing rehabilitation

Interested in doing the work yourself, but need help buying materials? Have the materials, but not sure where to start? We can help! NWUs Self Help program rehabs about 25 homes per year throughout Douglas, Coos and Curry Counties. Our staff can teach you how to repair your home, loan you the tools to get the job done, and guide you through the required building permit process. Call us today to get started.