Bringing homes back to life with affordable loans to homeowners

Hilltown CDC’s Housing Rehabilitation Program, funded through federal Community Development Block Grant Funds, provides eligible low- and moderate-income homeowners in eligible towns with deferred payment loans. These no-cost loans are meant to address code violations and improve living conditions for homeowners. Program benefits include necessary home repairs offered through a no-interest/no monthly payment loan that may be completely forgiven in 15 years. Hilltown CDC manages the project specifications, project oversight and contractor selection to support homeowners through the process. The program offers a  wide range of eligible repairs  including:

• Electrical/plumbing work

• Lead paint removal

• Septic system repair

• Roof replacement and repair

• Siding replacement

• Door and window replacement

• Handicap accessibility renovations

• Insulation

• Heating and hot water systems

• Wells and pumps

• Flooring

Eligible homeowners will receive a deferred payment loan with zero interest and no monthly payments. A percentage of the loan is forgiven each year until the loan term expires in 15 years. A mortgage is recorded for the recapture of the loan. If the property is sold or changes ownership within the 15-year loan term, the unforgiven portion must be repaid upon the sale. Loan terms and amounts will vary by project.

For more information and an application to the program, contact Sophia Dubour, Housing Rehab Administrative Assistant at (413) 296-4536 ext. 112 or sophiad@hilltowncdc.org

Hilltown CDC’s Housing Rehab Program provides services in many Hilltowns. Unfortunately, funding is not always available in all towns. Contact Sophia to see if your town is currently eligible for Housing Rehab services or to put yourself on the waiting list.

Eligibility Guidelines

Eligible Towns (FY22.23.24): Chesterfield, Cummington, Goshen, Peru, Plainfield, Westhampton, Williamsburg, and Worthington

In order to qualify for assistance, homeowners should:

• Live in a single-family, owner-occupied housing unit (condos are not eligible for this program);

• Be current with property taxes and mortgage payments;

• Have enough equity to support the loan;

• Have owned their home for more than a year; and

• Fall within the income guidelines.

 Eligibility of program applicants is determined on an individual basis. Other restrictions or requirements may apply depending on a household’s current situation and circumstances.

HCDC is an EEO/Section 3 Employer. Women & members of minority groups are encouraged to apply. Funding is provided by the US Dept. of HUD/DHCD and MA CDBG Programs.

For Contractors

The Housing Rehabilitation seeks licensed contractors to bid on funded projects. If you are a contractor interested in local work with the Hilltown CDC, please fill out our contractor application or contact Sarah Hoecker, Housing Rehab Manager at (413) 296-4536 ext. 109 or sarahh@hilltowncdc.org more information.