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Offers home repairs and improvements necessary for restoring and maintaining safe living conditions and home values. This program is applicable for low-income families, seniors, and those with a disability. Services include interior or exterior work performed to alleviate critical health, life and safety issues or code violations. This includes a change to or repair of materials or components, a reconfiguration of space, a modification for accessibility and interior modifications, installation or extension of plumbing, and mechanical or electrical systems on an existing structure.

- Housing Fund (Rehab) - Loans are available to income-qualified homeowners in Region XII COG communities for home repairs to eliminate health and safety hazards, including windows, doors, roofs, furnaces, etc.

- Housing Fund (down-payment) - Loans are available to income-qualified homeowners in Region XII COG communities for down-payments required for the client to qualify for a commercial loan.

Provides a Housing Rehabilitation and Weatherization Program (Housing Rehabilitation) to families with a household income at or below 80% of poverty guidelines.

Provides sustainable homeownership, home renovations, and revitalizes neighborhoods through collaborating partnerships.

Provides home improvement grants and/or low interest loans to repair deteriorated dwellings. Programs include:

- Minor Home Repair Program: provides grants and forgivable deferred payment loans to correct housing deficiencies of an immediate nature which threaten the health or safety of the occupant of the home or the structural integrity of the building.

• Home Accessibility Retrofit Program: provides grants or loans to eliminate barriers, modify the layout, or add structural accessories/improvements to the dwelling to make it more accessible for occupants with disabilities. May also be used to make "visibility" modification to dwelling units to allow immediate family members with disabilities to visit the subject property.

• Accessory Structure Demolition Program: provides grants or forgivable deferred loans for homeowners to demolish unsafe structures on their property.

• Residential Exterior Rehabilitation Program: provides a 50/50 matching grant or 0% interest loan to repair and bring up to code the living structure.

Home repair and modification assistance. Provides necessary repairs to homes such as leaky roofs, plumbing issues, electrical problems, handicapped accessible bathrooms and ramps.

Builds affordable homes for low-income individuals and families who demonstrate a housing need.

Critical Home Repair: Restoration and maintenance for safety and housing stability. Projects include interior or exterior work performed to alleviate critical health, life and safety issues or code violations.

Provides a major rehabilitation deferred loan program, assistance up to $25,000 is available for major repair or renovation of homes which contain several code-related issues or are in need of significant rehabilitation (cosmetics do not qualify). A minor rehabilitation grant program, under this program a grant of up to $12,000 is provided for code-related repairs of an emergency nature which threatens the health or safety of the occupants of the home. An accessibility grant program that provides grant assistance to an income-eligible homeowner or renter of a single-family residence or up to a four-unit complex to eliminate physical barriers which inhibit the use of the dwelling unit by a person with disability. The maximum grant amount is $7,000. 

Helps owner-investors with single family properties (1-4 units) east of 72nd Street make necessary repairs to their homes and ultimately aid in the revitalization of neighborhoods and communities. Rehabilitated properties are to be rented to low to moderate income persons.

If determined eligible, a construction specialist will schedule an initial property visit and determine the types of modifications and improvements that can be performed at the property.

Eligible property rehabilitation activities are limited to those necessary to correct substandard conditions, to make essential improvements, and to repair major systems in danger of failure. Major systems include such items as roofs, ceilings, walls, floors, foundations, plumbing, heating and air conditioning, and electrical systems.

Rehabilitates the houses of low-income homeowners (particularly the elderly, disabled, and families with children) so that they may continue to live in warmth, safety and independence. All work is provided free of charge to the homeowner. Referrals come from health and human service agencies, community and faith-based organizations, service groups, case managers, and individuals. The homeowners, if physically able, work with the volunteers in the spirit of neighbor helping neighbor. Home assessments determine a home's eligibility based on national and local criteria.

Repairs vary from painting and trash removal to minor repairs such as electrical or plumbing work. Smoke detectors and new locks may be installed. Home modifications and accessibility needs given priority. The repairs must be able to be completed in one day; no major structural repairs and no tree removal.

Provides programs to build or improve housing, essential community facilities, and support business financing in rural areas of Illinois.

Programs available:

- Single-Family Housing Programs: Direct loans or loan guarantees for low- and moderate-income rural families for mortgages and home repairs. Additionally, grants are available for health and safety repairs for individuals over 62.

- Multi-Family Housing Programs: Loans for affordable rental housing for very-low- to moderate-income residents, the elderly, and people with disabilities. Funds may also be used to buy or improve land and provide necessary facilities such as water and waste disposal systems. Rent assistance is available for rural residents.

- Community Facilities Programs: Loans, grants, and loan guarantees for essential community facilities in rural areas, with priority given to health care, education, and public safety projects.

- Business Financing Programs: Financial support, including loans and grants, for individuals or groups seeking to establish or expand businesses in rural areas.

Direct/Deferred Payment Loan provides assistance for low and moderate-income homeowners located in low/moderate income areas. Provides direct loans at 0% interest with moderate monthly payments. If unable to get a direct loan, deferred payment loans are available at 0% interest with monthly payments deferred for two years.

Emergency Repair Loan is a 0% interest deferred payment loan, with no payments as long as the borrower keeps ownership of and lives on the property, for emergency repairs (replacement of furnaces, water heaters, dangerous wiring, etc.) to very low income home-owners citywide. Income cannot exceed 50% of Lincoln median income.

First Home Program provides assistance for low and moderate income first-time home buyers citywide who have not owned a home for 3 years. Some exceptions may apply. Must complete Home buyer Training offered by NeighborWorks Lincoln. Deferred loan assistance is available for gap financing and housing rehabilitation. Annual income cannot exceed 80% of Lincoln median income.

Offers programs to assist families and individuals in rural America with financing, mortgage payment assistance, and opportunities to buy, build, repair, or own safe and affordable homes. 

Additionally, the service provides access to information about privately owned rental housing options available at below-market rates, including government-subsidized housing and low-income/subsidized private rental housing. These housing options may include units developed or improved with public funds, income-based rental housing, and fixed below-market rate rental housing, benefiting low-income households, older adults, people with disabilities, and other special populations.

Planning and zoning services, business, redevelopment and housing assistance, building permits and inspections, animal control and code compliance.

Offers three types of housing rehabilitation loans, designed to help homeowners who are struggling to get repairs done on their own. The assistance is provided in the form of a forgivable loan to income qualifying applicants and is only available to City residents who own their own house.

- Emergency Assistance Program is open to property owners in any part of the City but is limited to a small number of eligible activities. The program can help with inoperable furnaces/boilers, water heaters, broken water lines or sewer laterals, non-compliant electrical weather heads, severely damaged roofs, and exterior accessibility issues for elderly and disabled persons. This program aims to provide help quickly.

- General Assistance Program exists to help property owners who live in any part of the City. Activities can include a wide range of things including repairs or replacement of principle fixtures and components, water and energy efficient improvements, repair or replacement of water lines or sewer laterals, and improvements to remedy barriers that restrict the mobility and accessibility of elderly or disabled persons. Common exterior items that qualify under this program are roofs, entryways, stairs, and porch repairs. Common interior items that qualify under this program include stairways, plumbing, electrical panels, and mechanical equipment.

- The Home Repair and Accessibility Program (HRAP) is designed to provide financial assistance to homeowners with housing rehabilitation needs. The assistance is provided in the form of a grant to qualified low-to-moderate income homeowners residing within the corporate limits of the City of Rock Island. This program assists income-eligible households with needed home repairs and/or accessibility modifications. Priority will be given to rehabilitation items addressing health and safety hazards and local code violations.

* Full Rehabilitation Projects:

- Income eligible households may utilize up to $50,000 of funds to repair their homes and remove health and safety hazards by replacing costly maintenance items.

* Accessibility Projects:

- Income eligible owner-occupied households with at least one senior or disabled resident, may utilize up to $50,000 of funds for accessibility modifications and removal of health and safety hazards by replacing costly maintenance items.

* Roof Only Projects:

- Income eligible households may utilize up to $25,000 to cover new/repairs for roofs, soffits, gutters, and downspouts. These homes must not have other major health and safety issues.

Provides programs to build or improve housing, essential community facilities, and support business financing in rural areas of Illinois.

Programs available:

- Single-Family Housing Programs: Direct loans or loan guarantees for low- and moderate-income rural families for mortgages and home repairs. Additionally, grants are available for health and safety repairs for individuals over 62.

- Multi-Family Housing Programs: Loans for affordable rental housing for very-low- to moderate-income residents, the elderly, and people with disabilities. Funds may also be used to buy or improve land and provide necessary facilities such as water and waste disposal systems. Rent assistance is available for rural residents.

- Community Facilities Programs: Loans, grants, and loan guarantees for essential community facilities in rural areas, with priority given to health care, education, and public safety projects.

- Business Financing Programs: Financial support, including loans and grants, for individuals or groups seeking to establish or expand businesses in rural areas.