Larimer Home Improvement Program
Larimer Home Improvement Program (LHIP)
“Helping to preserve affordable housing” The Larimer Home Improvement Program is administered by the Loveland Housing Authority and offers low to no interest rate loans to income qualified families looking to repair or improve their homes. See chart for income qualifications. This program is funded mainly with federal, state and county dollars, because of that we are able to offer lower interest rates and more flexible terms then a traditional lender, as well as more relaxed credit requirements. The Maximum loan amount is $24,999 and the interest rate is on a sliding scale from 0% to 3% based upon the families’ income. The loan terms are very flexible we will work with you to come up with an affordable monthly payment up to a 30 year term. LHIP is focused on health, safety, handicap accessibility and energy efficient related issues in your home. Approved repairs or improvements would be such things as roof replacement or repair, new siding, windows and insulation, room additions in overcrowding situations etc. Please contact the program manager to see if your repairs qualify. Qualified applicants;
- Must meet the income requirements.
- Own and occupy the home you are requesting repairs for.
- Have enough equity in the property to secure the loan.
- The Home must be in Larimer County including the City limits of Loveland, Fort Collins, Wellington, and Berthoud as well as all the outlying county areas. We are also serving the Milliken area.
Emergency Grant Assistance Program We also offer an emergency grant assistance program to people that own & occupy their home and make no more than 50% of the area median income, see chart. This program can offer funds to people in urgent need situations such as burst pipes, non working hot water heater or furnace and dangerous electrical issues. We do require that if you are asking for assistance to replace a furnace you must first apply with the weatherization program Longs Peak Energy Conservation or the Furnace Replacement Assistance if you are turned down by them you may then apply with us. The grant assistance cannot exceed $1,500 in a lifetime, you will be responsible for any additional costs at the time of service. No assistance can be provided until the application and proper documentation are turned into our office. Office hours are M-F 8 to 5. Emergency Funds Application
Mobile Home Repair The Larimer Home Improvement Program will assist in the repair of Mobile Home but on a much smaller scale. The maximum loan amount is $5,000 with an interest rate from 0% to 3% again based upon applicant’s income. The application process is very simple you can print out the application from the website, or call 970-635-5931 to have one mailed, faxed or email to you. Fill out the application and provide; proof of income, photo ID and attach the list of required documents. Mail it to: 375 W. 37th Street, Suite 200, Loveland, CO 80538, or you can fax it to 970-278-9904 or email it to firstname.lastname@example.org. We will let you know in less than a week in most cases if you qualify and the next steps to begin the repair process. Currently the LHIP program is working on a new pilot program to assist Manufactured Home owners in a park with larger repair loans and will roll the program out late spring check back for details.
Contractors- You may use a contractor from our list, or a contractor that you know or was referred to you. They must have the proper insurance requirements and licenses if the repair you are requesting requires a licenses. For more information please call. You will be required to get 3 bids when ever possible. We recommend if you are using a contractor for the first time that you are unfamiliar with; you get references and check with the BBB. We are required to check the state and federal d-barred list. If you are a contractor who wishes to be added to our list please provide a resume, detailed information on your area of specialty, and 3 references. You will be required to provide a certificate of insurance on each job you participate in with a minimum million dollar liability policy, a copy of your business licenses or contractor licenses when applicable. contractor list
Disaster Recovery Resources- (7 Million Dollars of Aid)
The Larimer Home Improvement Program had over 7 million dollars of funding provided by the Colorado State Division of Housings Community Development Block Grant – Disaster Recovery (CDBG-DR program). We have been able to assist many families in the repair, rebuilding, replacement home purchase. As well as access to their property, by rebuilding private roads and bridges over these past several years. Our partnerships with the Long Term Recovery Group, Volunteer Coordination, and Larimer County Infrastructure and Building departments has been invaluable.
2017 will be our year to wrap up the ongoing rebuilds and road and bridge projects which include the Glen Haven Bridge. We still have a busy year ahead but thanks to the federal funding, the amazing volunteers and incredible partners we will be able to say this program was a wonderful success and helped many people who would have otherwise not had the ability to rebuild. If you have any questions about these programs you can contact us at 970-667-3232 and check back towards the end of 2017 for more information on all the projects.
Other resources Building Department Emergency Permit and Building Permit information Lead Paint/Asbestos testing and abatement: https://www.colorado.gov/pacific/sites/default/files/AP_LEAD_Lead-Services-Directory_0.pdf , Larimer County Long Term Recovery Website, Building permit in a flood plain contact information for the septic repair contact Chris Manley, Larimer County Environmental Health, Estes Park office, 970-577-2051 County Building Permit information: www.Larimer.org/buildinghttp://larimer.org/engineering/bridges/private_bridges.pdf Electric: call 303-894-2300 in Estes call Dave Cearlock at 855-451-9790 River work: US Army Corp of Engineers 303-979-4120 Please check with the County Building Department for any work on wells or septic they may require additional permits. Estes Park Building Department 970-577-2100 Fort Collins Building Department 970-498-7700 Loveland Building Department 970-962-2505