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Emergency Housing Repair Program - 211 San Joaquin | Get Connected. Get Help.

Emergency Housing Repair Program

Agency: CITY OF STOCKTON

  • Description:

    Offers a one-time home repair loan with one percent interest and deferred principal payments up to $30,000 for low-income homeowners.

    Total loan is due at the end of 30 years or when the property is sold, refinanced, transferred, or death of owner (except for joint tenant survivorship) or breaches the agreement. Loan terms for a "special needs" person or senior are 5 to 10 years, with the loan forgiven at the end of the term.

    Loan can be used for repairs, accessibility, deferred maintenance, and code violations. The programs also require energy efficient and water conservation products.

    Emergency Housing Repair loans are assumable. Assistance provided under this program may affect applicant's future assistance when applying for the City's owner-occupied housing repair programs.

    Loans are not subordinated to future financing. Loan cannot be combined with "reverse" mortgages or take cash or equity out for any reason.

    • Phone:

    Email: economic.development@stocktonca.gov
    Website: www.stocktonca.gov/housing

    Program Hours

  • Hours: Mon: 8:30am - 5pm; Tue: 8:30am - 5pm; Wed: 8:30am - 5pm; Thu: 8:30am - 5pm; Fri: 8:30am - 5pm; - (Website accessible Mon-Sun 24 hours. Office is closed on New Year's Day, Martin Luther King Jr's Birthday, George Washington’s Birthday, Memorial Day, Independence Day, Labor Day, Veteran's Day, Thanksgiving Day and the day after, Christmas Eve, Christmas Day, and New Year’s Eve.)

    • Location(s)

    Stockton - Economic Development Department

    • Accessibility: Potential limitations to access – call for details
    • Address: 501 West Weber Avenue, Stockton, CA 95203

    Program Delivery

    • Eligibility: Meet program edibility criteria: -Limited to homeowners who have lived in their property for at least 6 months before applying. -Property must be in the limits of the City of Stockton -Property loan-to-value ratio must be below 95% of the property value, and the owner's total debt to income ratio must not exceed 55%. -Household income cannot exceed 80% of median family income, as adjusted annually: Household Size / Max Allowable Gross Annual Income 1 / $60,550 2 / $69,200 3 / $77,850 4 / $86,500 5 / $93,450 6 / $100,350 7 / $107,300 8 / $114,200
    • Languages: English only
    • Application Process: Call or visit website for details
    • Program Fees: Call or check website for details. A monthly fee may be collected to cover property taxes and insurance.
    • Required Documents: Deed of Trust, Promissory Note, Loan Agreement, Truth in Lending Statement, Contract (between homeowner and contractor).

      • Service Area

    • Defined Coverage Area: San Joaquin County