HOMEOWNERS

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THE TYPE OF WORK THAT CAN BE DONE:

Any work that is necessary to maintain the home in a safe, decent, and liveable condition may be eligible, including plumbing, heating, electrical, wells, septic systems, roofs, foundation work, windows, doors, siding, stairs, porches, chimneys, etc.

If you meet the general requirements described below, you may be eligible for a grant to pay 50% or more of the total cost of the repairs to your home, depending on the funds that are available at the time.  We cannot know ahead of time how much we will have available for your project, but you will know before we begin any work.

WHO IS ELIGIBLE:

1. YOU MUST OWN THE HOME 
    If you are still in the process of buying a home, you will not be eligible until the sale 
     has closed. It is expected that there will be a mortgage on the property, but the sale 
     must be final.

2. THE DEED TO THE HOME MUST BE IN YOUR NAME
    If the deed is in someone else's name, you are not eligible for assistance. 

3. THE HOME MUST BE YOUR PRIMARY RESIDENCE
    If you do not live in the home full-time, year-round, you are not eligible for 
     assistance. If the home is in such poor condition that it cannot be lived in, it is 
     not eligible. 

4. PROPERTY AND SCHOOL TAXES MUST BE CURRENT

5. YOU MUST HAVE HOMEOWNER'S INSURANCE

6. IN MOST CASES, MOBIL HOMES ARE NOT ELIGIBLE FOR ASSISTANCE 
    This restriction does not apply to modular homes on permanent foundations as 
     long as you own the land on which the home is located and the home cannot be 
     moved. 
    If you live in a mobil home and need assistance with repairs, other agencies might
     be able to help you.  Chautauqua Opportunties, Inc (COI) Weatherization Program
     can be reached at 661-9455.   If you are over age 60, you can try the Chautauqua 
     County Office for the Aging at 753-4471 or 664-2029.

7. YOU MUST MEET INCOME GUIDELINES 
    Only families that are at or below 80% of the Area Median Income are eligible for 
     assistance. 
     It is important for you to know how your total household income is 
     calculated:
          1.  Total income includes ALL income for ALL sources into the household
               (Social Security, Disability, Public Assistance, Pensions, Interest Income,
               Dividends, Child Support, etc. all count as income). 
          2.  All income for every adult who lives in the house will be included, whether
               or not they contribute to the household and whether or not they are related 
               to you.
          4.  Income eligibility is determined by your gross income - this means your 
               total income BEFORE any deductions or taxes. 

     Income guidelines for 2012 are as follows:
 

SOME OTHER IMPORTANT THINGS YOU SHOULD KNOW:

1.  CHRIC DOES NOT HAVE MONEY AVAILABLE FOR EMERGENCY REPAIRS.  If you are over age 60 and have an emergency situation, the Office for the Aging might be able to help - please call 753-4471 or 661-2029 for further information.

2.  CHRIC rarely has enough funds available to address every problem that could be addressed. Our rehab staff will work with you to determine your most important home repair concerns and to secure as much funding as possible to address those concerns.

3.  In most cases, the homeowner will need to contribute some amount towards the repairs.

4.  To assist you with planning to contribute towards the cost of your repairs, all recipients of assistance are required to attend a 3-hour Financial Literacy Workshop.

5.  The money that CHRIC pays is a grant and does not have to be repaid.  As a result of receiving funds through CHRIC, a lien will be placed on your home for a period of two to five years.  This lien does not have to be repaid unless you sell your home during the lien period.  The lien exists only to assure that people do not take advantage of CHRIC's programs by using our funds to buy, repair, and re-sell properties at a profit.  If monies from multiple grant sources are used to repair your home, each one will require that a lien be filed - these liens will run concurrently. 

6.  CHRIC administers funds from a variety of sources.  In all cases, CHRIC must comply with the rules of these agencies when determining who is eligible for assistance and what can be done with their funds.  Each of these agencies has their own requirements - you may be eligible for funds from one of these sources but not another. CHRIC will make every effort to secure funds from any source for which you are eligible.  Some of the funding sources that CHRIC works with are the New York State Office of Community Renewal's Community Development Block Grant Program, The New York State Division of Housing and Community Renewal's HOME Program, the New York State Affordable Housing Corporation, the Federal Home Loan Bank's Affordable Housing Program, the US Department of Housing and Urban Development, and the US Department of Agrigulture's Housing Preservation Grant Program. 
You can visit these agencies' websites by clicking on the links below:

       New York State Office of Community Renewal
         US Department of Housing and Urban Development (HUD)
         New York State Division of Housing and Community Renewal (DHCR)
         New York State Affordable Housing Corporation
         Federal Home Loan Bank's Affordable Housing Program