The Veterans Center is committed to assisting in the creation of affordable housing repair for qualified households throughout Rural Georgia.

The Home Repair Program is designed to assist Rural Georgia seniors (aged 62 and over) in repairing critical conditions that threaten the subsistence of their homes or present threats to health or safety due to hazardous and/or unsanitary conditions. To provide direct loan up to $10,000 and/or grant up to $7500 funds to very-low-income applicants who do not qualify for conventional bank financing, for the repair of their dwelling.

Complete the eligibility form below.

Complete an Application
  • Must own the dwelling to be repaired, maintain a life estate or long term leasehold.
  • Must be a US Citizen or permanent resident.
  • Must be able to personally occupy the dwelling.
  • Must have adequate and dependable income to repay a loan.
  • Must have a good credit history (for loan application).
  • For a grant request; must show the inability to repay a loan.
  • For Grants: applicant or co-applicant must be 62 or older and unable to afford a loan or portion thereof at  1% interest for up to 20 year terms (Grant and Loan Combinations may be considered.)
  • Outside debt should be minimal.
  • Must have total household income that does not exceed the Rural Development very-low income limits.
  • Must lack personal resources (e.g., cash, securities, real estate other than home and home-site) that can be used to meet repair needs.
  • Grant funds may be used to pay costs of repairs or improvements which are identified health or safety hazards.
  • Loan funds may also be used to remove health and safety hazards but are also available for modernization or home improvement.
  • Maximum loan amount is $20,000.
  • Maximum combination loan and grant amounts are $27,500.
  • Loans cannot exceed appraised values.
  • Loans greater than $7,500 are secured by a Promissory Note and a Real Estate Mortgage.
  • Loans up to $7,500 are secured by a Promissory Note.
  • Maximum lifetime grant amount is $7,500.
  • Homes must be brought into good repair with loan/grant funds.
  • Homes must be located in a rural area (see income limits worksheet enclosed for ineligible areas.)
  • Not all deficiencies need to be corrected to be eligible.
  • Repairs to mobile homes can only be approved when the applicant owns the site and the home is or will be placed on a permanent foundation and health or safety hazards are to be removed. Homes in Mobile Home Park Cooperatives and some non-profit owned Mobile Home Parks may be eligible for assistance.
  • Properties must generally have access (either direct or via private right of way) to a town owned or maintained road.

These loans are 1% fixed rate loans with a maximum 20 year amortization.