Carlisle Borough Housing Rehabilitation Program
ELIGIBILITY - the owner of the property must have resided in the property for at least the last 6-months. Mobile homes are permissible as long as the resident owns the land on which the mobile home is placed. The homeowner must be current on all property taxes and municipal utilities. Homeowners' insurance must be in place.
QUALIFYING INCOME LIMITS - Eligibility is also determined by total household size and income. Homeowners can qualify for a loan if their total gross household income does not exceed the Median Income Limit. Preference is given to the elderly (age 62 or more) and disabled households whose income does not exceed the Low Income Limit.
- Household Size of 1 has a Low Income Limit of $29,750, Median Income Limit of $47,600
- Household Size of 2 has a Low Income Limit of $34,000, Median Income Limit of $54,400
- Household Size of 3 has a Low Income Limit of $38,250, Median Income Limit of $61,200
- Household Size of 4 has a Low Income Limit of $42,500, Median Income Limit of $68,000
- Household Size of 5 has a Low Income Limit of $45,900, Median Income Limit of $73,450
- Household Size of 6 has a Low Income Limit of $49,300, Median Income Limit of $78,900
- Household Size of 7 has a Low Income Limit of $52,700, Median Income Limit of $84,350
- Household Size of 8 has a Low Income Limit of $56,100, Median Income Limit of $89,900
The owner completes the basic application to determine eligibility. A property survey will be conducted to determine what work is required to satisfy Code requirements. Work items may include updating electrical and plumbing systems, flaking and peeling paint, storm doors and windows, insulation, replacing broken glass, foundation repairs, chimney repairs, roofs, etc. Correction of Code deficiencies must be included in the write-up for the property. If it is determined that the estimated cost of repairing deficiencies will exceed the available loan limit, then no work can be done at the property unless the homeowner can provide their own funds necessary to supplement the cost of the repairs over the loan limit. The homeowner will be asked to select contractors to submit bids for the work. The contract will be awarded to the lowest qualified bidder. If the low bid is higher than the loan limit, the homeowner has a choice. The homeowner (A) can arrange for funds to cover the cost over the maximum loan limit, (B) can have deletions made in the work write-up or (C) can have the job rebid.
A lien will be entered against the property for the amount of the rehab cost. When the property is sold, the loan amount will be refunded to the Borough. The loan will be at 0% interest. The borough is added to the homeowner’s insurance policy as a mortgagee. The CCHA makes periodic inspections to ensure that the work meets the specifications. Payments will be made to the contractor as the work is completed. The final payment will be made following a 30-day inspection. The applicant shall comply with Title VI of the Civil Rights Act of 1964 and with Executive Order 11246, which provides that no person shall be discriminated against on the basis of race, color, religion, sex or national origin. Contact Maria Coller at 717-249-0789 x 136 or at toll-free 1-866-683-5907 x 136, or by email at firstname.lastname@example.org for more information or to apply for this program.