Before you apply for our Home Repair & Preservation program, please take a look at some of the frequently asked questions regarding our home repair work. If your question isn’t answered here please call us at (503) 287-9529.
What kind of repairs do you do?
We are currently able to do a variety of exterior repairs including roof repair/replacement, window and door installation, painting, yard clean-ups, junk removal, siding repair, deck repair, gutters, and more. Projects can be big or small. We are not able to do interior repairs or additions.
Do you work on mobile homes?
No, however we are able to perform small projects on exterior elements that are not attached to mobile homes (stairs, ramps, yard work, debris removal, etc.)
How do I apply for home repairs?
Call us at 503-287-9529 ext. 39 or fill out the home repair interest form. After getting a little bit of information about your home repair needs, we can send you an application in the mail. You can also pick up a home repair application at our office on NE 15th and Killingsworth. Please call ahead to make an appointment.
What information do I need to apply?
You will need the following documents to submit an application
- A copy of your most recent real property tax statement (issued by Multnomah County)
- Proof of current homeowner’s insurance policy
- A copy of your most recent mortgage statement
- A copy of current driver’s license or government issued ID
- A signed copy of your most recent federal tax return
- Proof of income for all adults in the household (pay stubs, benefits letters, etc.)
Please note, a tax return is not considered proof of income. We will include a checklist of all required documents in every application.
How long does it take to process an application?
It usually takes 2-4 weeks to process an application and select a project. The exact processing time depends on the volume of applications we receive. We will contact all applicants on the status of their application.
When do you take applications?
We are always accepting home repair applications.
How do you select which projects to accept?
See: Qualify & Apply.
Do you do credit checks?
No, Habitat does not look at credit history. We do, however, verify that applicants have at least $15,000 of equity in their homes. Equity is determined by subtracting the amount owned on the home from the market value of the home. We encourage everyone who is interested to apply.
How do participants pay for repairs?
Most participants receive a deferred 0% interest loan from Habitat for Humanity. The loan is secured by placing a lien on the property. Loans become due in full in the following circumstances:
- Homeowner sells the home
- Homeowner is no longer the primary occupant of the home.
- Homeowner refinances the home
The loan is forgiven after 20 years if the homeowner has not sold, refinanced, or transferred ownership.
Homeowners are not required to take out a loan from Habitat if they have other sources of financing.
For small projects totaling $1,000 or less, homeowners pay a given percentage of the total project cost. This percentage is based on the household income level and ranges from 10% to 30% of the total project cost.
What’s sweat equity?
Sweat equity is the volunteer time participants invest in their home repair project. Depending on the size of the project, participants contribute between 8 and 20 hours. Not all sweat equity is physical labor and we can accommodate all ages, abilities, and skill levels. Sweat equity can include helping in the Habitat office, approved home repair workshops, and preparing your house for repair.