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Attention Homeowners! City Expands Home Rehab Loan Program

Does your home need repairs that you’re not sure you can afford? Are you having trouble safely getting around your home?  If either of these circumstances applies to you, the City of St. Charles wants to help.

Last month, the City Council expanded the Home Rehabilitation and Accessibility Loan Program, allowing all types of owner-occupied units to qualify, including single-family homes, condos, and townhomes. Previously, only single-family homes were eligible.

The program provides financial assistance in the form of a 0% interest, deferred payment loan to assist income-eligible homeowners to make necessary repairs and improvements to their homes.

The City’s program works in conjunction with a similar program offered by Kane County. Up to $20,000 in assistance is available from Kane County. An additional $10,000 is available from the City if more funds are needed.  

Funds can be used for mechanical repairs, roofs, windows, insulation, exterior painting, termite damage repair, yard cleanup, building security, and exterior work that will improve neighborhood appearance, as well as accessibility improvements for physically disabled persons such as grab bars, railings, motorized chair lifts, walk-in showers, doorway widening, ramps, and more.

Community Contacts, Inc., an Elgin based non-profit organization, administers the program on behalf of the City and County. For more information, to find out if you are eligible, and to apply, call Community Contacts at (847) 697-8800.

This program is funded by the St. Charles Housing Trust Fund through fees collected from new residential developments to support affordable housing initiatives.  

updated Mar 01, 2017