Can NRHA help me make emergency repairs to my home?

Property Rehabilitation Programs
Equity Secure Program
The Equity Secure Program provides assistance to eligible homeowners for the rehabilitation of their homes to correct health and safety violations, meet property standards, and address exterior aesthetic improvements. Homeowners can receive up to $25,000 for rehabilitation and receive:

  • An opportunity to renovate property to today’s standards
  • Flexible and affordable financing with no monthly payment
  • Technical assistance in planning all needed property repairs

Qualified Improvements

  • Repair or replace, as needed, plumbing, heating, electrical, roof, structural systems
  • Provide handicap accessibility alterations to achieve decent, safe, sanitary conditions up to a level of prescribed standards
  • Perform eligible exterior aesthetic improvements
  • Reduce or eliminate lead-based paint hazards identified on surfaces being disturbed during rehabilitation.

Type Of Assistance
Financial assistance is provided as part grant, part due-on-transfer loan, with no interest and no monthly payments. The amount to be repaid is based on the increase in property value created by the repairs and becomes due upon transfer of ownership of the property. All the owner has to pay are closing costs, which are usually less than $300. The only security required is a promissory note secured by a recorded deed (lien) of trust in the amount of increase in the property’s value resulting from the repairs.

  • Household income must be less than or equal to income limits provided by the
    Department of Housing and Urban Development. See chart below.
  • Mortgage must be current for no less than three months prior to application for assistance. Borrower must also remain current during time of processing.
  • Homeowners insurance must be current.
  • Applicant must have legal interest in the property and reside in the property.

U.S. Department Of Housing And Urban Development
2006 Income Guidelines

Number of Persons in Household
Maximum Annual Household Income










Income guidelines revised annually.
What to Expect

  • Initial contact, screening, and preliminary qualification via telephone interview.
  • After preliminary qualification, formal interview scheduled.
  • Interview conducted with NRHA staff. Client is given an overview of program and financial application is initiated.
  • Appropriate financial verifications requested by Finance Specialist.
  • Construction Specialist will be assigned to meet with homeowner and thoroughly inspect the property to develop a construction write-up.
  • Construction specifications completed, bid process occurs, and contractor selected by the homeowner.
  • Financial application is completed.
  • Loan settlement is conducted.
  • Work begins.

Once work is under way, progress payments are paid to the general contractor only for work performed and inspected. Final payment is held until the job is completed. A one-year warranty is extended to the property owner for all work completed by the contractor.
Aesthetic Improvement Grant Program
Program Purpose
This program is designed to provide financial incentives to homeowners and investors of residential property to undertake upgraded exterior improvements to enhance the property's aesthetic quality.
Program Rate

  • Matching Grant
  • Homeowners allowed up to $5,000 per property, subject to funding availability

Program Features

  • Program establishes a certain aesthetic quality of properties within the Conservation Neighborhood
  • Qualified improvements may include landscapin, fencing, exterior lighting, window shutters, architectural-grade roof shingles and exterior surface improvements, etc.

Program Criteria

  • NRHA will determine project eligibility and qualified improvements
  • Property must meet all applicable code and conservation program rehabilitation standards to qualify
  • Applicant must provide owner, property and household information and a copy of their current property insurance policy
  • Real estate taxes must be current
  • 100% match required of owner
  • Maintenance agreement required
  • Homeowner can only receive grant one time, per property
  • Grants are subject to funding availability

For more information, contact your neighborhood conservation specialist:

Michael Clark

  • Huntersville
  • Kensington
  • Lamberts Point
  • Park Place
  • Villa Heights

Paul Collins

  • Ballentine Place
  • Bayview
  • Berkley
  • Campostella Heights
  • Central Brambleton
  • Chesterfield Heights
  • Cottage Line
  • East Ocean View
  • Fairmount Park
  • Haynes Tract
  • West Ocean View
  • Willoughby

Emergency Repair Grant Program
Program Purpose
This income-restricted program is designed to address health or safety issues that might result in injury to the home’s occupants with a grant of up to $10,000. It is available in non-conservation neighborhoods.
Eligibility Requirements
In order to qualify, applicants must meet the following criteria:

  • Verifiable legal ownership and one-year minimum occupancy of the property
  • Mortgage, real estate taxes, and homeowners insurance payments must be up-to-date
  • Family income must fall within HUD low/moderate income limits
  • Liquid assets (savings, stocks, bonds, etc.) must not exceed $12,000

Eligible Repairs

  • Roof
  • Heating
  • Electrical
  • Plumbing

After Verification of Eligibility Requirements

  • NRHA representative inspects property to determine eligible items for repair
  • NRHA prepares work specifications and obtains competitve bids from qualified contractors
  • Upon completion of the job, NRHA inspects the work performed and pays the contractor
  • The grant can also be used to assist physically challenged homeowners with basic accessibility property improvements

To learn more about the Emergency Repair Grant Program or to request an application, please call 757-314-2089

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NOTICE OF NONDISCRIMINATION - NRHA provides equal housing and employment opportunities for all persons. NRHA does not discriminate against any applicant, resident or employee on the basis of disability, age, race, color, religion, gender, familial status or national origin in the admission, access or operations of programs, services or activities. NRHA complies with Title VI of the Civil Rights Act and the Americans with Disabilities Act. An internal grievance procedure is available to resolve complaints. If you feel you have been discriminated against, you have the right to file a complaint of discrimination  by calling toll free (888) 799-2085. Qualified individuals who need communication aids, services or other accommodations to participate in programs and activities are invited to make your needs known to the 504/ADA Coordinator, Kim Thomas (757) 623-1111. Please give NRHA at least seven to ten days advance notice to meet your needs