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Down
payment awards are typically no interest, deferred payment loans for as
much as $12,000
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Priority
given to first time homebuyers.
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Property
must be located in the City of Richland Center
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Property
must be 2, 3, or 4 units.
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Property
must be primary residence of Borrower.
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Borrower
must secure primary financing from lender.
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No
tenants can be displaced as a result of the purchase.
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At the
time of the closing, either the Borrower or tenant household income must
be no more than 80% of median
income for Richland Center.
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Required
affordability in the tenant’s unit: Owner cannot increase the rent of the
rental unit for 1 year from loan closing and rent cannot increase more
than 3% per year for the 4 subsequent years OR rental unit is occupied by
a Section 8 tenant for 5 years from loan closing.
NHS Program Coordinator
Not interested in a multi-unit building?
Go directly to the Neighbor Housing Services at 125 E. Seminary St.,
Richland Center, WI 53581
608-647-4949Call NHS or visit the web site
http://www.nhsrcwi.org/. Neighbor Housing Services (NHS) is a
nonprofit organization dedicated to expanding homeownership opportunities
for residents in Richland County and surrounding communities. Here's
how the NHS helps new home buyers:
Home Buyer Education - They help customers determine if
homeownership is right for them, help them through the process of
buying a home step by step, and provide post-purchase support. NHS
Orientations are offered on a weekly or bi-weekly basis. All services
are explained at that meeting. If a customer decides to work with the
NHS, they complete a confidential personal profile. There is a small fee
for a credit report and workshop materials. The next step is to attend
one of the monthly Home Buyer Workshops. NHS staff and customers work
together on a home buying plan. From there customers can take advantage
of all the NHS services and programs listed below.
Credit and Budget Counseling - If a customer needs to rebuild
his/her credit or would like guidance on budgeting toward buying a
home, the NHS offers private, confidential counseling.
Financial Assistance - The NHS helps find the most affordable
home financing options, which may include help with down payment and
closing costs. NHS staff assists with contacting the lender of choice
and works with the customer every step of the way.
Special Lender Programs - NHS staff guide customers to the
resources that help get the most home for their money.
Home Maintenance Education - To help new home buyers make the
most of their home and keep it in great shape, the NHS offers home
maintenance/repair and lawn and garden care workshops led by experts in
the field.
Home Rehab Planning and Loans - NHS staff arrange a post
inspection rehab plan to ensure home buyers have the resources to fix
any problems in their new home.
Delinquency Intervention - If a customer gets behind in their
mortgage payments, NHS staff works to get them back on track and in
good standing.
Housing Rehabilitation Loans
Two kinds
of loans for residential properties.
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Emergency
Loans
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$3,000
- $5,000 low interest loans for emergency repairs to correct life-threatening
safety code violations
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The
property must be owner-occupied
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Homeowners
must meet income guidelines Homeowner Rehabilitation Loans
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Low interest
loans for rehabilitation of properties in need of new systems and
major repairs
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The
property must be owner-occupied
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If
the property has rental units, there will be restrictions on tenant
incomes and the amount of rent charged for five years
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Homeowners
and tenants must meet income
guidelines For more information, contact:
NHS, Housing Program Coordinator
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RePAIR
Program
The Rehabilitation
Program Assisting Investment Rentals (RePAIR)
provides technical and financial assistance to Richland Center's
landlords. The goal of the RePAIR program
is to improve the safety and comfort of Richland Center's rental
housing.
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RePAIR will help landlords:
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Assess project
feasibility
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Develop
a scope of work
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Obtain
answers to apartment rehabilitation questions from city departments
including Planning & Zoning, Inspection Services, and Minimum
Housing.
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Coordinate
free technical information, grants and / or low interest loans for:
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Weatherization
Improvements
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Heating
System Upgrades
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Lead
Paint Hazard reductions
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Finance
rehabilitation projects:
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Bank RePAIR funds
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Amortized for 25
years
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Balloon
payment in 7 years
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Prime
- 2% years 1-2, fixed rate (minimum 5%)
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Prime
+ 2% years 3-7, fixed rate
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75%
loan to value
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NHS's Section
108 funds
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7.5%, 15 years,
fixed rate
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Second
mortgage
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85%
loan to value
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May
be used in conjunction with Chittenden RePAIR
funds
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The Red Tape:
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Buildings must be
located in Richland Center
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At
least 51% of the building must be residential. RePAIR
funds are designated for housing rehabilitation projects.
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At
least 51% of tenants must have incomes
less than 80% of median income
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Rents
are capped to Richland Center
Housing Authority (RCHA) Payment Standards during rehabilitation
and for 1 year following project completion
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Completed
RePAIR projects must meet Richland Center's
Minimum Housing Ordinance and Time of Sale Energy Audit Standard. Call
today to discuss your project!!
NHS, Housing Program Coordinator
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Exterior Paint Grants
NHS offers
exterior paint grants for property owners and tenants in Richland
Center's
Paint grants are
available each year from May to September or as long as funds are
available.
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Who
is eligible?
The Paint Program offers free paint to income-eligible property
owners and tenants on a "first come, first served" basis.
Property owners and/or tenants must meet income
guidelines.
What is eligible?
This program only covers the cost of paint. Participants are
responsible for purchasing all other supplies and for labor. Elderly
and disabled residents may request additional grant funds to cover the
cost of labor.
Get on board now for the 2005 painting season! Get your Essential
Maintenance Practices certification now. You or your painter must have
this certification to get free paint.
NHS, Housing Programs Specialist
Completed applications should be submitted to NHS Office, Richland Center.
A walk-by inspection of your property will be performed to estimate the
amounts you will need to paint the exterior of your home. A letter of
approval/denial will be sent to you. If approved, you may pick up your
paint and begin.
In many
apartments, traditional battery-operated smoke detectors offer
insufficient warning of smoke and fire dangers. It is common for
batteries not to be replaced in a timely manner, or they may be removed
for some other household purpose.
One method
for increasing fire safety in apartment buildings is to install
hardwired smoke detectors with battery back up, in each bedroom and
outside of each sleeping area. For maximum benefit, the smoke detectors
are interconnected so that all detectors sound when any one senses
smoke.
Inspired by
the proposed changes to the City's of Richland Center - Housing Code
regarding smoke detectors, the Community Economic Development has a
Rebate Program to assist landlords install hardwired, interconnected
smoke detectors in buildings with Section 8 tenants. The Rebate program
provides $50 per installed detector (not to exceed 50% of the cost of
retrofitting an apartment building or $500. Funding is limited for the
program and applications will be considered on a first come, first
served basis.
City of
Richland Center, Building Safety, Building Inspector (608)
647-5364
Access Modification Grants
NHS offers up to
$5,000 grants to income eligible elderly and
disabled Richland Center
residents who need to modify their homes. Grants are available to
both homeowners and tenants. Modifications can include ramps, roll-in
showers, enlarging doorways, grab bars, lifts and more. Grants are
awarded on a "first come, first served" basis.
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For more information,
contact:
NHS,
Housing Program Specialist
Wisconsin Lead
Program
Lead-Safe Wisconsin
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Lead exposure in young
children can cause reduced IQ and attention span, impaired growth,
reading and learning disabilities, hearing loss, and a range of
other health and behavioral effects. Most exposures occur in
homes or daycares where lead-based paint has deteriorated because
of deferred maintenance or where lead hazards have been created
through painting or renovation done without using lead-safe work
practices.
Prevention of lead
poisoning can be accomplished by eliminating lead-based paint
hazards before children are exposed. Wisconsin's goal is to
eliminate this disease by working to make Wisconsin's housing
lead-safe, and by improving the detection and treatment of lead
poisoning in children.
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Dedicated
to the prevention of childhood lead poisoning by reducing lead paint
hazards and increasing awareness about the dangers posed by lead.
The Dangers of Lead
Lead poisoning is the
number one environmental health threat in the United States,
affecting nearly 1 million young children. Lead has been shown to
cause behavioral problems, learning disabilities, decreased
intelligence, and other health problems. Because lead poisoned
children do not necessarily appear sick, the U.S. Centers for Disease
Control and the Department of Health recommend that all young
children be tested. Although deteriorated paint is the most common
cause, children can also be poisoned from other sources such as soil
containing lead from car exhaust, water pipes, lead-glazed ceramic
dishware and plastic mini-blinds. The only way to be absolutely sure
your children are safe is to have them tested.
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Although poisoning can occur
when a child eats paint chips or mouths painted surfaces, more often,
children ingest lead in dust coming from chipping, peeling, or flaking
paint. This dust clings to toys, fingers, and other objects that young
children put in their mouths. For more information about testing your
child, call to speak to our outreach nurse at the local hospital or the
County Public Health Office
Typical
Lead Hazard Reduction Work
Typical
lead hazard reduction work includes treatment of window jambs, sashes
and wells, and paint stabilization of other deteriorated interior
surfaces. Where necessary, exterior building surfaces and soils that
are most likely to cause lead exposure are also addressed as part of a
lead hazard reduction project.
Lead
Safe Work Practices
Call us for
a free copy of the HUD publication: Lead Paint Safety: A Field Guide
for Painting, Home Maintenance, and Renovation Work.
Other
Lead Safety Resources
http://dhfs.wisconsin.gov/lead/
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Federally
Qualified Health Centershttp://www.wphca.org/fqhc info.html
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