Only code items or health and safety hazards will be addressed through this program.
(no remodeling)
Some examples of repair work include:
• Repair and replacement of roofs and furnaces • New electric or plumbing
• Replacement of windows and doors
• General stabilization and safety improvements
A copy of the Redeployment Authority’s Technical Specifications will be provided to applicants
at the time of application.
Applicants may be required to pay a nominal processing fee in order to schedule a Risk Assessment of the home prior to work. This assessment will identify any lead hazards in the home. Repayment of the applicant’s loan is based on the homeowner’s age and ability to repay.
Refusing to sell or rent to, deal or negotiate with any person.
Discriminating on terms or conditions for buying or renting housing.
Discriminating by advertising that housing is available only to persons of a certain race, color, religion, sex, national origin, familial status, handicap (disability), age, ancestry or with no animals.
Denying that housing is available for inspection, sale or rent when it really is available.
Blockbusting-for-profit, persuading owners to sell or rent housing by telling them that minority groups are moving into the neighborhood.
Denying or making different terms or conditions for home loans by financial institutions.
Denying to anyone the use or participation in any real estate services, multiple listing services or other facilities related to selling and renting of housing.
how much do i have to pay?
Any owner-occupant who meets the program’s income guidelines (see chart on reverse of this page) and who does not live in the cities of Uniontown or Connellsville (they maintain their own homeowner assistance programs) may apply. Applicants must own the home, and it must be their principal residence. A copy of an executed and recorded deed is needed to verify ownership. Homeowner’s must also have satisfactory credit, be current on all property taxes and mortgage payments, have a current homeowners insurance policy, and cannot have an open bankruptcy.
who qualifies for assistance?
frequently asked questions
Homeowners can select their own contractors; however, prior to selection the contractors must be pre-approved by the Redevelopment Authority. In order to be approved, contractors must be rep- utable, be registered with the Commonwealth of Pennsylvania, carry proper insurance (at least $300,000 in Workers Compensation, Bodily Injury, and Property Damage), and be certified to perform work in accordance with federal lead-based paint safe work practices.
No. All work must be completed by a pre-approved contractor. This does not prevent the homeowner from completing work prior to receiving assistance through the Redevelopment Authority in order to reduce the total amount borrowed that is necessary for rehabilitation.
Contractors do not receive any up-front payments. The contractor can receive two (2) progress payments, minus a 20% retainage, and a final payment. Homeowners will receive an invoice for completed work and, once the work is inspected and approved, a dual-payee check will be issued by the Redevelopment Authority. In all cases, the homeowner must co-sign in order to issue payment to the selected contractor.
How is the contractor paid?
Borrower’s may sell their property at any time; however, the amount owed on the loan at the time of sale would be due to the Redevelopment Authority of the County of Fayette, PA.
Can I sell my property when I want?
Payback Loan
For borrowers under age 65, repayment is based on the ability to repay, using 30% of income as the total amount a family should pay for shelter costs. To calculate the payment amount under this type of loan, mortgage payments, real estate taxes, property insurance and utility costs are subtracted from 30% of the total household income.
Deferred / Forgiveness Loans
If a borrower’s net shelter cost amount is not sufficient to repay the loan’s principal within 20 years, or if the borrower is over the age of 65 or permanently and totally disabled, the entire principal amount may be deferred until the sale of the property and no monthly payment will be required. The Authority may also forgive a portion of these loans over a period of time.
What types of loans are available?
