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

Single Family Housing Repair Program

Agency: CITY OF STOCKTON

  • Description:

    Offers a home repair loan with one percent interest and deferred principal payments 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 can be used for repairs, accessibility, deferred maintenance, code violations, and in some cases, house reconstruction. The programs also require energy efficient and water conservation products.

    Loans are not subordinate to future financing. They cannot be combined with "reverse" mortgages or used to take cash or equity out. Refinancing existing debt is allowed only in special hardship cases with extra evaluation.

    • 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. *In case of two units on one lot, owner must ensure the rental unit is occupied by a low-income tenant at an affordable rental rate set by the local Section 8 Housing Program, with the city monitoring the tenant's income for up to 20 years. -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