Emergency Repair Program Overview
The Emergency Repair Program (ERP) provides grants to low income senior homeowners to repair or replace an essential system and/or a critical structural problem. The purpose of the program is to stabilize the senior homeowner’s residence by making rapid, essential repairs to make the home livable. This is not a comprehensive homeowner rehabilitation program.
Homeowner eligibility - Applicants must meet all of the following requirements:
The maximum grant to an eligible homeowner from THDA funds is $10,000. Since the program requires a 50% match of the THDA funds from another source, the maximum contract amount cannot exceed $15,000 ($10,000 from THDA and $5,000 as the 50% match). The assistance the program beneficiaries receive will be in the form of a grant. The Emergency Repair Program will not require a compliance period secured by a lien on the property.
The Emergency Repair Program is intended to make immediate repairs to an essential system so that the senior homeowner can continue to reside in his/her home. The program does not require that the entire structure be brought into compliance with codes. The following list is an example of the types of repairs the program is meant to address:
- Electrical systems
- Plumbing systems
- Septic systems
- Heating and air systems
- Structural repairs to floors or walls
It is anticipated that the senior homeowner will help define the nature of the emergency repair. In many instances, there will be additional work that needs to be done to the house that cannot be addressed with this program, and there may not be a visible difference in the house once the emergency repairs have been completed.
MAAG partners with Habitat for Humanity, Shelby County Housing and with Delta Human Resource Agency to facilitate the Emergency Repair Program. To apply, please contact one of the following:
|In the city of Memphis||
PLEASE NOTE: This is currenlty a pilot program for the Uptown Neighborhood within the city of Memphis. ERP funding is not available for repair to homes located outside of Uptown at this time.
|In Shelby County|| Jim Vazquez
Shelby County Dept of Housing and Community Development
1075 Mullins Station Road, Memphis, TN 38134
|In Fayette, Lauderdale, or Tipton Counties|| Gloria Williams
Delta Human Resource Agency
915 Highway 51 South Covington, TN 38019
Call the MAAG offices at 901.729.2871 if you have additional questions.
In addition to the Emergency Repair Program, the Tennessee Housing Development Agency offers other programs to assist homeowners in need of help. Please visit one of the websites below for more information:Tennessee Housing Development Agency (THDA)
As the State’s housing finance agency, the Tennessee Housing Development Agency (THDA) is a self-sufficient, independently funded, publicly accountable entity of the State of Tennessee. THDA’s mission is to ensure that every Tennessean has access to safe, sound, affordable housing opportunities. More information about THDA programs can be found online at www.thda.org.
THDA’s Great Choice Loan Program offers 30-year, fixed rate mortgages and down payment assistance to eligible first-time, repeat and military homebuyers. Borrowers must meet certain requirements and conditions, including credit history, income limits and cost of home. http://thda.org/homebuyers/homebuyers
Additional Homeownership Links:
Homeownership for the Brave
Tennessee Housing Search
THDA Community Programs
The Community Programs Division administers a variety of housing programs supported through federal, state and THDA funding. The Division awards grants to local governments and non-profit agencies to meet the housing needs of low income Tennesseans. http://thda.org/business-partners/partners
For more information, please contact Coralee Holloway, Director of Community Programs at 615-815-2030.
THDA Rental Programs
The Housing Choice Voucher (HCV) or “Voucher” program is a federal rental assistance program funded through HUD where very low-income families, the elderly and the disabled receive assistance to afford decent, safe and sanitary housing in the private market. As a state housing agency, THDA administers the Housing Choice Voucher program in 72 Tennessee counties, between 4 regional offices. http://thda.org/renters/renters
For more information, please contact Cheryl Jett, Senior Director of Rental Housing Programs at 615-815-2186
THDA Low Income Housing Tax Credit (LIHTC) Program
The Low-Income Housing Tax Credit is a credit against federal income tax liability each year for 10 years for owners and investors in low-income rental housing. The amount of tax credits is based on reasonable costs of development, as determined by THDA, and the number of qualified low-income units.
For more information, please contact Ed Yandell, Program Liaison for Multifamily Development at 615-815-4142.
©2011 Memphis Area Association of Governments · Phone 901.729.2871 · Fax 901.729.4107
8289 Cordova Road, Suite 103 · Cordova, TN 38016
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