Hanover Habitat Critical Repair Program

Hanover Habitat for Humanity envisions a world where everyone has a decent place to live. Our repair program offers reduced cost repairs to local, very low-income homeowners to make their houses accessible, livable, energy efficient, and safe.

CRITICAL REPAIR

All extensive exterior work performed will address health and safety issues or code violations, such as:

• Repair/replace roof
• Address crucial electrical, plumbing, or HVAC needs
• Replace damaged fascia, caulk and paint as needed
• Repair damage to wood siding, as needed
• Siding and trim repair/replacement
• Install/replace gutters and downspouts, as needed
• Window replacement of failed windows
• Exterior door repair/replacement
• Porch, steps and ramp repair/replace
• Repair walkway

PROGRAM QUALIFICATIONS

  • Applicant must have lived in Hanover county for at least one year.
  • Household Income must be 50% or less than the Area Median Income in Hanover County.
  • Property must be owner-occupied.  Hanover Habitat will not consider work on rental properties.
  • Hanover Habitat will consider work on mobile homes as long as the candidate lives in and owns the mobile home and land.
  • The overall condition of the home must be structurally satisfactory to justify any repair costs.
  • Applicant must be unable to get needed funds for repair in a conventional fashion (i.e. bank loan).
  • Applicant must have stable income that will allow them to stay in the home and make necessary payments for repairs.
  • Applicant must be up-to-date on mortgage payments and taxes.
  • If the property is sold within 3 years after the completion of repairs, funds paid by the affiliate must be reimbursed.
  • Hanover Habitat is not undertaking any ongoing maintenance of a property.  Future maintenance and upkeep after a repair is the responsibility of the homeowner.
  • Applicant must contribute some form of sweat equity to the project. The candidate or a family member must work with volunteers during the project.

 

Household income must be 50% or less than Area Median Income in Hanover County.

  • 1 person – $29, 120
  • 2 People – $33,280
  • 3 People – $37,440
  • 4 People – $41,600
  • 5 People –  $44,920
  • 6 People – $48,250

Applicant must complete Repair Program Application and provide required documentation.

  • Proof mortgage payments are up to date
  • Proof real estate taxes are paid
  • Proof of insurance
  • Two most recent bank statements
  • Two most recent pay/income stubs
  • Two most recent tax returns

A $17 check or money order for each applicant in the household will be required as part of the pre-qualification process.