14-Critical Home Repair Projects Grant Application

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2. Project Description Summary: Provide a brief summary the project being proposed and a general description of how it will address homelessness or affordable housing in Kittitas County. Be sure and indicate whether the proposal is intended to provide direct client services or construction, maintenance, or improvement of housing facilities. (250 words max.) KCHFH's repair program serves low-income homeowners affected by age, disability or family circumstances and who struggle to maintain the integrity of their homes. Habitat's repair program addresses the health and safety of the individual residences in neighborhoods, strengthens connections within the community and helps preserve affordable housing stock. Issues such as no water, holes in the roof or floor, mold growing inside, and no heat are not uncommon. KC does not presently have a community based organization which addresses critical home repair issues for low-income homeowners. This population, whose homes are in dire need of repair, are sometimes forced to choose between making a house payment or using their limited income to repair their home. Not making mortgage payment puts them in jeopardy of losing their home, but to continue to live in an unhealthy and/or unsafe environment puts their families at a physical risk. KCHFH provides a no -interest loan for qualified homeowners who are selected as "partner families". The loan payment the homeowner makes is no greater than 30% of their total housing costs per month and is based on their income and their current mortgage. All loan payments made by the homeowner are used to fund future Habitat repair projects. KCHFH is requesting an average of $4,285.71 per house for 14 houses over a 6 -year period (2018-2023). Repair costs, including materials and subcontractors fees average $10,000/project. If projects cost less than $10,000, KCHFH will cover 57% of the project costs with the 2060 funds covering 43% of the cost.