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Community Home Repair Program (CHRP)

The Community Home Repair Program is accepting applications.  If you meet the basic eligibility requirements outlined below, download our application or contact us for a paper copy. Please note that our program takes time, our ability to serve our community is based on the various funding sources for this program. There may be periods of time in which we pause our program as we wait for funding to become available.  

A small repair can make a MAJOR difference.

HFHLC’s Community Home Repair Program helps low-income families address critical needs in their homes by focusing on safety, accessibility and meeting municipal codes.  By offering repairs at a low cost, the program will help preserve and ensure safe, decent, and affordable housing in our community as well as assist seniors to age in place.

Critical Home Repair repayment will be based on household income.  A sliding scale will determine the direct cost for partner families.  Repayment options include a payment plan of up to 18 months.  Exact terms will vary, and the monthly payment will be based on income and current expenses.

Eligibility Requirements

To qualify for the CHRP program:

  • You must qualify as a low-income household with a maximum of 80% Annual Median Income (AMI).  See chart for 2023/24 maximum income levels.

  • You must own your home for two or more years, and it must be located in Lincoln County, Oregon.

  • It must be your primary residence.

  • If there is a mortgage on the home, you must be current with your payments.

  • You must be current on tax payments on your home.

  • You must have homeowner’s insurance.

  • You must be willing to partner with HFHLC.

    • You will be required to put in sweat equity, helping with the repair or providing other services that further our mission.  We work with homeowners to identify a mutually agreeable form of service.


What we need from you:

  • Two most recent years of income tax returns (1040 or equivalent) 

  • Proof of Homeowner Insurance 

  • Mortgage statement or proof of homeownership if mortgage is paid off


Common Types of Proof of Income:

  • Wages / paychecks

  • Social Security Income 

  • Alimony documentation

  • Investment Statements 


Please note, the following do not qualify for the HFHLC home repair program:

  • Total roof replacements.

  • Repairs on recreational vehicles (motor homes, fifth wheels, etc.)
  • Manufactured homes built prior to 1972.

  • Projects that would jeopardize HFHLC volunteers or staff participating in the project.

  • Projects exceeding $10,000 in total cost.  Exceptions may be made when sufficient grant funding is available. 

  2023/24 CHRP Income Eligibility

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