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Residential Rehabilitation Program

The Residential Rehabilitation Program is a federally funded program which provides low interest loans to eligible homeowners who need to make necessary improvements to their property. These loans must primarily benefit low income families. The program is administered locally by the Mount Vernon Urban Renewal Agency.

What properties are eligible?

Any legally conforming, one to four family residence located in the City of Mount Vernon having  property conditions that represent a certified health or safety hazard may be deemed eligible.

What types of loans are available?

In general, the program offers two types of loans that provide property owners with financing home improvement costs. Direct loans, which are repayable in monthly installments, and deferred loans, which are generally available to senior citizens who own and occupy their home and are repayable upon sale or transfer of the property.

What types of improvements are eligible?

Loans must be used for the removal of code violations, health and safety conditions and improve the property’s energy efficiency and include plumbing, electrical, heating, carpentry, windows and roofing.  Property extensions, additional rooms in attics or basements are not eligible under the program.  Department of Planning and Community Development staff will prepare specifications of the work to be done, administer public bidding and supervise the performance of the work.  The Mount Vernon Urban Renewal Agency will take a mortgage on the property as security for any approved loan.

Multi Family Rehabilitation Program

The Multi Family Rehabilitation Program is federally funded to provide low interest loans to eligible building owners for the purpose of financing moderate or substantial rehabilitation improvements. Each loan must primarily benefit low or moderate income families residing in an eligible building. The U.S. Department of Housing and Urban Development (HUD) provides funding to the City of Mount Vernon for the operation of this program, which is locally administered by the Department of Planning and Community Development under the auspices of the Mount Vernon Urban Renewal Agency.

Residential Rehabilitation Program

The Residential Rehabilitation Program is a federally funded program that provides low interest loan to eligible homeowners who want to improve their properties. These loans must primarily benefit low and/or moderate income families. The U.S. Department of Housing and Urban Development (HUB) provides Community Development Block Grant funding to the City of Mount Vernon for the operation of the program which is locally administered by the Mount Vernon Department of Planning and Community Development under the auspices of the Mount Vernon Urban Renewal Agency.

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