Avondale Home Improvement Program

The Avondale Home Improvement Program (AHIP) was designed to support homeownership by sustaining existing homeowners and improving the housing conditions within targeted areas in Avondale.

The Avondale Home Improvement Loan Program enables homeowners to make basic repairs and home improvement, which maintain the quality of their home and creates a positive effect in the surrounding neighborhood.

Eligible repairs: Exterior improvements (windows, roofing, concrete work, siding, doors, painting, etc.)

  • Loans up to $20,000

  • Loans are available for one to four-family houses.  The owner must occupy one of the units.

  • ADC has pre-selected contractor.

  • A title search is required and will be provided by the Program. Loans are secured by a Restricted Covenant. The applicant must be a homeowner with income at or below 80% AMI.

  • The applicant must be current on real estate taxes or currently on an active payment plan.

Questions? Contact Patrick Cartier at pcartier@growavondale.org.

EXAMPLES (BEFORE/AFTER)

Program Guidelines

To expedite the processing of your application, please submit the following information with your application, where applicable:

  • Copy of the declaration page that identifies the amount of homeowner’s insurance, date of coverage and amount of premium

  • Copy of your most recent mortgage statement that reflects the mortgage balance, your payments and escrow information

The processing of your application will begin upon receipt of your application and all requested information. Please use black or blue ink to fill-out application.

We will also obtain a title report to verify your ownership of the property, taxes paid and additional liens that may exist. Property must be in a “simple fee” ownership status.

The difference between your home’s market value and the balance of your mortgage is considered equity. The Avondale Home Improvement Loan Program may not provide a loan, which when added to your existing mortgage(s), exceeds 100% of the value. Therefore, it is necessary for us to verify the current balance on all mortgages that exist on your home.

There may be times we find it necessary to request additional information; your consideration will be greatly appreciated.

Should you have any questions, please do not hesitate to contact us at (513) 861-2232.