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11/20/2013 - Home Repair Loans

Attention Eligible Homeowners:  No-Interest, No-Monthly-Payment Home Repair Loans 

November 20, 2013


County officials want eligible homeowners in parts of Cumberland County to know about a state-funded program that offers a limited number of deferred no-interest loans for major home repairs.  


The Small Cities Home Owner Rehabilitation Program is made possible by a $150,000 grant from the NJ Department of Community Affairs.  The money is intended to assist low and moderate income homeowners with code related items and weatherization including electric, plumbing, heating, roofing, structural issues, windows and other problem areas.  


Eligibility is based primarily on income and in which municipality the homeowner lives.


“With winter rapidly approaching, we know these loans can make a big difference for homeowners who need to make critical repairs to keep their families safe and sheltered but can’t afford it right now,” said Freeholder Director Joe Derella. 


Under the “deferred” loan program, there is no interest added and no monthly payments are required.  Instead, the loans are secured by a mortgage note held by the County.  Under most circumstances, when the deed of the property is transferred from the original applicant, the loan is repaid to the County.


The grant is being administered for the county by Triad Associates.  Interested county homeowners who want to check their eligibility , fill out an application or have questions about the program, are asked to call 856-690-9590.