Additional Services - HOME Loan Program

Options for Independent Living Inc. (Options) has applied for and received a HOME Single-Family Housing grant from the Wisconsin Department of Administration, Division of Housing, under the National Affordable Housing Act of 1990, as amended.  This grant has been used to establish a Housing Rehabilitation Loan Program to conserve, rehabilitate and improve residential property occupied by low and moderate-income homeowners.  This program provides deferred payment no interest loans to low and moderate-income level persons with disabilities and the elderly for the purpose of making accessibility modifications and general home repairs to their owner-occupied home.  The loan must be paid when the property is sold, transferred, or ceases to be the borrower’s principal place of residence.  Types of projects eligible to receive a loan include ramp construction, bathroom, kitchen and bedroom modifications, additions and general home repairs.  To be eligible for a loan, individuals must meet the following criteria: 

  • Must have a permanent disability(as defined by the ADA) or are elderly.
  • Total household income must be within the established guidelines for their respective county.  A copy of the HUD income limits will be provided upon request.
  • Must be a resident of Brown (outside Green Bay City limits), Calumet, Door, Fond du Lac, Green Lake, Kewaunee, Manitowoc, Marinette, Marquette, Menominee, Oconto, Outagamie, Shawano, Sheboygan, Waupaca, Waushara, or Winnebago Counties.  
  • Must own his/her own home or live with a family member who owns their own home.  Property obtained on a land contract or living trusts are not eligible.  
  • Homes constructed after 1978 must meet Federal Lead Base Paint Requirements at completion.  
  • The home must meet Section 8 Inspection Guidelines (as established by HUD) at completion.  
  • Property taxes, homeowner’s insurance and mortgages must be paid up to date.  
  • Match funding may be required.  
  • Applicants having an accessibility need will be given the highest priority. 

Applications are reviewed on a first come first served basis having met all eligibility requirements.  Each project must have a minimum cost of $1,000.  The limit for each loan may not exceed $30,000.00.

Contact:  Steve stevel@optionsil.org (920) 393-1044