Home Improvement Loan Program Provides Low-Interest/No Interest Loans to Low and Moderate Some Qualified Repairs Include: Income City Residents

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Home Improvement Loan Program Provides Low-Interest/No Interest Loans to Low and Moderate Some Qualified Repairs Include: Income City Residents

• The Home Improvement Loan Program provides low-interest/no interest loans to low and moderate Some Qualified Repairs Include: income City residents. • General exterior maintenance • Replacement of roof • Recipients must be owners and • Upgrading of electrical system occupants of single-family or two- • Upgrading of plumbing system family dwellings. • Replacement of deteriorated water Heater and/or furnace & a/c Income eligibility: • Window replacement • Siding replacement Maximum gross income based • Insulation & weatherization To Apply for a Loan on the number of persons living • Foundation repair\ water proofing in the household and their • Handicap accessibility To request an application call: combined incomes: • Repair & replacement of 636-949-3222: deteriorated driveway & sidewalks 1 person household, $37,600 • Lead, mold & radon abatement & Please provide the following items to the 2 persons, $43,000 containment Home Improvement Loan Program at the 3 persons, $48,350 Department of Community Dev. on the 4 persons, $53,700 Priority is given to repair housing Third Floor of City Hall, 200 North 5 persons, $58,000 conditions which represent an Second Street, Suite 303, St. Charles, 6 persons, $62,300. accessibility barrier and\or immediate MO, 63301-2851, . hazard to the health and\or safety of the occupants or to the public. 1. Completed application • Interest rate: 3% for ten years or 2. List of items needing repair 0% deferred payment loan. The Fair Housing Policy of the City of 3. Proof of income for all occupants St. Charles to assure equal opportunity 4. A certified\recorded deed • No interest loans are available to to all persons, and is unlawful to 5. Monthly mortgage payment qualified homeowners at 0%; discriminate against anyone based on 6. Proof that homeowner insurance and repayable when property race, color, creed, religion, ancestry or real estate taxes are paid to date. ownership is transferred. national original, familiar status, age, 7. Previous twelve months utility bills gender, and income assistance or • To qualify for 0% loan, either: (1) handicap status. Accommodations will be made available Household expenses (mortgage, to anyone who may need assistance with real estate taxes, home insurance, this application process. utilities are more than 30% of To request assistance call gross; or (2) income is at or below Anita Telkamp, 50% of median family income. CDBG Administrator 636\949-3224. .

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