{"id":1772,"date":"2023-03-29T11:01:33","date_gmt":"2023-03-29T21:01:33","guid":{"rendered":"https:\/\/stgwww8.honolulu.gov\/dcs\/?page_id=1772"},"modified":"2024-05-07T10:56:08","modified_gmt":"2024-05-07T20:56:08","slug":"dcs-cad-loan-programs-for-homeowners","status":"publish","type":"page","link":"https:\/\/www8.honolulu.gov\/dcs\/dcs-cad-loan-programs-for-homeowners\/","title":{"rendered":"DCS CAD Loan Programs for Homeowners"},"content":{"rendered":"\t\t
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Loan Programs for Homeowners<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Community Assistance Division<\/span><\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Rehabilitation Loan Program:<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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This program provides rehabilitation loans to owner-occupant homeowners with incomes up to 80% of the median income for Oahu. The loans can be used to repair and correct deteriorated and hazardous conditions on the property, such as damage caused by termites or wood rot, leaky roof and drain pipes, peeling paint, faulty electrical wiring and plumbing. Accessibility improvements may be made to assist family members with disabilities. The installation or replacement of Energy Star compliant appliances are eligible under this program.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Rehabilitation Loan Program Brochure<\/a><\/h5>
Rehabilitation Loan Income Limits<\/a><\/h5>
Rehabilitation Loan Rules and Regulations<\/a><\/h5>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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This program provides no-interest<\/strong> loans to income-qualified owner-occupant homeowners, enabling them to repair their homes to meet basic housing quality standards.<\/p>

Rehabilitation Loan Application – Fillable Form <\/a><\/h5>
Rehabilitation Loan Application Information\u00a0<\/a><\/h5>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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PLEASE NOTE<\/strong>:\u00a0 The City Rehabilitation Loan Program is not suitable for emergency repairs and\/or remodeling upgrades. Due to current Federal, State, and City regulations to obtain loan approval, such as State Historic Preservation approval for\u00a0any\u00a0renovation work, the total processing time for a loan application is at least a year or longer. After loan approval, a building permit must be obtained.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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First-Time Homebuyer:\nDown-Payment Loan Program<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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This program assists new homebuyers by providing down payment assistance that can help them qualify for a mortgage.<\/div>
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Down Payment Loan Program Brochure<\/a><\/h5>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Disaster Assistance Loans<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Provides residential repair loans to homeowners adversely affected by a declared disaster.\u00a0 Funds are used only to correct unsafe or unhealthy conditions caused by a disaster, and\u00a0used only after FEMA, state, or insurance coverage are applied.<\/p>

Contact us: 808-768-7076<\/strong><\/span><\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Loan Programs for Homeowners Community Assistance Division Rehabilitation Loan Program: This program provides rehabilitation loans to owner-occupant homeowners with incomes up to 80% of the median income for Oahu. The loans can be used to repair and correct deteriorated and hazardous conditions on the property, such as damage caused by termites or wood rot, leaky […]<\/p>\n","protected":false},"author":95,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"page_type":[],"yoast_head":"\nDCS CAD Loan Programs for Homeowners - Department of Community Services<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www8.honolulu.gov\/dcs\/dcs-cad-loan-programs-for-homeowners\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DCS CAD Loan Programs for Homeowners - Department of Community Services\" \/>\n<meta property=\"og:description\" content=\"Loan Programs for Homeowners Community Assistance Division Rehabilitation Loan Program: This program provides rehabilitation loans to owner-occupant homeowners with incomes up to 80% of the median income for Oahu. 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