Concord

Home Repairs Made Affordable

Habitat for Humanity East Bay/Silicon Valley has partnered with The City of Concord to provide home repairs to low and moderate-income homeowners within the city limits.  This program is funded by the Community Development Block Grant program through the federal Housing and Urban Development Department.

Want to learn more? Attend one of our monthly online info sessions to ask questions to a staff member live.

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Eligible Repairs

  • Roofs
  • Stairs & Porches
  • Exterior Siding
  • Water Heaters
  • Painting
  • Plumbing
  • Electrical
  • Heating
  • Cooling
  • Flooring
  • Accessibility Upgrades
  • Ramps
  • Windows
  • Grab Bars
  • and much more!

Funding Provided &
Requirements

Emergency Repair and Accessibility Grants

A limited number of repair grants are available, which cost the homeowner nothing. Grants may be approved for health and safety problems only. Common uses for the grant program are replacing water heaters, and minor plumbing or electrical repairs.

Home Rehabilitation Loans

For major repairs, loans up to $75,000 are available. These affordable loans have 1% simple interest with a 15-year term. Seniors (62+) and disabled homeowners may opt not to make monthly payments, called a "deferred" loan. Common uses for the loan program include: reroofing, sewer line replacement, termite and dry rot damage repair, furnace installation, and foundation repair. Mobile homes are not eligible for loans.

Download a Request for Service form in English – Español – Tagalog – 繁體中文 - 简体中文 – Tiếng Việt - Hindi.

Required Documentation
  • Photo IDs and Proof of Legal Residency for all Applicants
  • Copy of Certificate of Title 
  • Proof of occupancy (including space lease agreement if in a mobile home)
  • Copy of Homeowner’s Insurance Policy
  • Income documentation for all household members 18 years of age and older  
Requirements

To qualify for the program you must:

  • Own your home. Single-family or condominiums eligible.
  • Live in your home. For loans, you must live in your home throughout the duration of the loan.
  • The funding must not result in total loan debt to home value ratio of more than 85% after the work is completed.
  • Have no more than $75,000 in assets if a senior (62+) or disabled head of household, or $50,000 for other households. The home proposed for rehabilitation itself is not considered an asset.
  • Earn no more than the maximum income for your household size, per chart below. Maximum Income depends on the number of people in your household not including full-time caregivers. 
County 1 person 2 People 3 People 4 People 5 People 6 people 7 People 8 People
Alameda

$78,550

$89,750

$100,950

$112,150

$121,150

$130,100

$139,100

$148,050

Contra Costa

$78,550

$89,750

$100,950

$112,150

$121,150

$130,100

$139,100

$148,050

Santa Clara

$96,000

$109,700

$123,400

$137,100

$148,100

$159,050

$170,050

$181,000

For more information:
Call 510-803-3388
Email HomeRepair@HabitatEBSV.org
Call 510-803-3388 to arrange accommodations, or Dial 800-735-2929 for TTY/TDD services

Additional Resources

Click here to visit the City of Concord Housing Division Webpage.

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THE HOME REPAIR APPLICATION PROCESS

REQUEST FOR SERVICE

Submit a Request for Service form online or by mail below. This request is your opportunity to tell us about yourself and your home repair needs.

Habitat follow up

Once we receive your Request for Service, Habitat will review your submission and contact you with further questions or requests for more information and required documentation.

Inspection

After your request has been reviewed by Habitat, a professional contractor will visit your home to inspect requested repairs and create a plan to complete the repairs,

Events

  1. Home Repair Orientation

    Mar. 12, 2024 1:00pm – 2:00pm PDT

    Learn how to apply for the Habitat for Humanity Home Repair Program.

  2. Credit Reports and Credit Scores

    Mar. 12, 2024 5:30pm – 6:30pm PDT

    Learn how to read a credit report, and what you can do to help improve your credit score.

  3. Shopping for a Mortgage Loan

    Mar. 14, 2024 5:30pm – 6:30pm PDT

    Learn what you can do to prepare before talking to a lender, how the mortgage loan application process works, and the costs associated with getting a mortgage.

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