The Northeast Iowa Regional Housing Trust Fund will assist individuals, community organizations, non-profit and for-profit developers in rehabilitation, repair, and creation of projects that improve the condition of, or contribute to the development of both rental and owner occupied affordable housing in the four county region. Additional assistance will be available for first-time homebuyers for down payment, closing costs and, if necessary, rehabilitation in conjunction with home purchase. Priority will be given to projects addressing repair and rehab issues in aging housing that benefit low income level residents. (i.e. plumbing, electrical, roofing, structural, energy efficiency, lead paint issues and handicap accessibility). The Board will consider both owner-occupied and rental properties, with loan details varying depending on the applicant’s situation, as detailed in the program guidelines.

Accessibility Rehabilitation Program provides a three year forgivable loan to property owners and homeowners to make their home handicap accessible. Homeowner Rehabilitation Loan Program provides low interest, long term loans up to $25,000 to homeowners to rehabilitate their homes. Home Repair Program provides a no interest loan to qualified homeowners to make repairs like painting, siding, roofing, windows, etc.

Provides financial assistance to owner-occupants city-wide for home rehabilitation like electrical hazards, plumbing sanitation or leak issues, faulty heating/roofing items (does not include help with mobile homes).

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

Provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards.

Minor repairs inside home, minor modifications for those within Omaha city limits. (Anything not structural)

Services may include:
-- Installing handrails, door locks, and wide-range viewers
-- Building wheelchair ramps (depends on slope and grade of property, property lines)
-- Minor plumbing repairs - no electrical services
-- Installing window locks
-- Repairing screen and storm windows and doors
-- Interior painting in winter or during bad weather
-- Minor weather stripping and caulking
-- Changing furnace filter, if filter provided
-- Minor plaster or drywall repair
-- Installing smoke detectors
-- Stairway repair

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.

Yard cleanup is offered by a group of volunteers, a couple of times throughout the summer months (will NOT help with tree removals, tree limbs/branches removals from dead or dying trees, mowing yards or snow removal).

Volunteer Opportunities are available as Rebuilding Together relies on donations of time, money, material and volunteers both skilled and unskilled to help with repairs.

Grant program to correct critical repairs that threaten the health, safety, and welfare of very-low income households.

Eligible repairs include:
-- Heating systems (furnaces)
-- Replacement of faulty water heaters
-- Repair exterior water service lines
-- Electrical problems with the electrical service on the exterior (outside) of homes

Safety repairs and modifications to allow home owning seniors to safely remain in their residence. Applications are taken for those over 60 who are low income. Funding for large or cosmetic repairs is not available. Applicants may qualify for furnace repair or replacement if needed through other funding.

Home rehabilitation for those in owner-occupied housing in Moline. (As of 2020, there is a waiting list of approximately 50 households, or about one year.)

Lead Based Paint Reduction Program tests homes for lead based paint. Can scrape, prime, and paint surfaces and/or replace windows if needed.

Safety repairs and modifications to allow home owning seniors to safely remain in their residence. Applications are taken for those over 60 who are low income. Funding for large or cosmetic repairs is not available. Applicants may qualify for furnace repair or replacement if needed through other funding.

Offers programs that include construction of new, affordable homes for qualifying families, neighborhood revitalization through home preservation repairs, housing counseling, and financial education classes. Each one of the programs supports the self-sufficiency and stability of partnering families, leading to more resilient households and a stronger community. To learn more about Jasper County Habitat, visit the website.

**Does not offer emergency housing, financial assistance with rent, mortgage or rental housing options.

Safety repairs and modifications to allow home owning seniors to safely remain in their residence. Applications are taken for those over 60 who are low income. Funding for large or cosmetic repairs is not available. Applicants may qualify for furnace repair or replacement if needed through other funding.

Offers various programs to help with financing and mortgage payment assistance. Families and individuals have the opportunity to buy, build, repair, or own safe and affordable homes located in rural America.

Home modification projects to protect vulnerable individuals and families from harmful exposures to health and safety hazards, ramp installation and maintenance for qualifying individuals, and ciritcal home repairs (roof, floor, bathroom, plumbing, etc.).

Loan provider in rural areas.

Business and Industry Loan Guarantees are available for business and industrial development in rural areas to create and maintain employment, expand and to improve economic climate.

Community Facilities Direct and Guaranteed Loans and Grants are available for community service facilities in rural areas such as libraries, clinics, fire and rescue buildings and equipment, etc.

Cooperative Services helps rural residents form new cooperatives and multiple owner businesses and improve operations of existing cooperatives in rural areas.

Direct and Guaranteed Home Ownership provides loans to purchase or construct single family homes in rural areas for very low/low/moderate income households.

Direct Farm Labor Housing Loans and Grants provide housing and related facilities in rural areas for domestic farm laborers.

Distance Learning and Telemedicine Loans and Grants provide for technology equipment and facilities for linking rural schools within regions, linking schools to other educational institutions, utilizing rural libraries as distance learning centers, linking rural hospitals and medical clinics to major medical centers, interactive video, and distance rural health training.

Energy Efficiency Improvements and Renewable Energy Systems provide grant assistance in development of renewable energy and energy efficiency improvement projects. Renewable systems include wind, solar, biomass, and geothermal. Energy efficiency improvements include energy improvements to business facility including insulation, windows, doors, HVAC, refrigeration, lighting, pumping/air/motor systems, etc.

Housing Preservation Grants offers funding to selected recipient organization to develop program to help repair individual housing, rental properties or coops in rural areas owned and/or occupied by very low and low-income households.

Intermediary Re-Lending Program provides loans to ultimate recipients for community development projects, establishment and expansion of businesses, and creating and/or saving jobs in rural areas.

Rural Cooperative Development Grants establish and operate cooperative development centers in rural areas primarily to improve economic conditions of rural areas via development of new cooperatives and multiple owner businesses and improving existing co-ops' operations.

Rural Business Development Grants are competitive grants designed to support targeted technical assistance, training, and other activities leading to the development or expansion of small and emerging private businesses in rural areas that have fewer than 50 employees and less than $1 million in gross revenues.

Rural Economic Development Loans and Grants provide for a wide range of rural economic development projects in rural areas such as business expansion and start-up, community development, etc.

Rural Home Repair Loans and Grants assist homeowners, occupying dwellings in rural areas, to complete necessary repairs to their homes.

Rural Housing Site Loans provide loans in rural areas to purchase land and develop sites for very low/low/moderate-income housing.

Solid Waste Management Grants are used to reduce or eliminate pollution of water resources in rural areas and improve planning and management of solid waste sites in rural areas.

Technical Assistance and Training Grants are used to identify and evaluate solutions to water and wastewater problems of associations in rural areas relating to water source, storage, treatment and distribution; and waste collection, treatment and disposal.

Value-Added Producer Grants help eligible producers of agricultural commodities in rural areas to develop business plans for viable marketing opportunities and develop strategies to create marketing opportunities in emerging markets.

Water and Waste Dispos

Offers grants, 5-year forgivable loans, or 10-year forgivable loans for homeowners to access emergency repair for critical threats to the home, and home modification to improve individual mobility.

Offers three types of housing rehabilitaiton 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.

Targeted Area Repair Rehabilitation Program (TARRP) is limited to property owners within designated target areas of the City. These areas are shown in the maps below. One of the City's Housing and Property Maintenance Inspectors is assigned exclusively to these designated target areas. If the inspector finds a citable nuisance violation at a house, they are able to provide the property owner with information about this program. The property owner can then reach out to the Housing & Loan Program Officer and apply for assistance through this program for help getting the enforcement violations resolved. Violations are issued based on the condition of the following: structural deficiencies, nuisance violations, and health and life safety issues. Only exterior rehabilitation work is eligible in this program.

Exterior and/or interior improvement involving lead based paint removal. Assistance is in the form of a five year forgivable loan. Participants can qualify for temporary relocation assistance.