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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.

Program Requirements

Homeowner eligibility - Applicants must meet all of the following requirements:

  • The applicant must be at least 60 years of age and must occupy the property to be repaired as her/her principal residence.

  • The applicant must have an ownership interest in the property to be repaired.

  • If the property to be repaired is a manufactured housing unit, it is not necessary for the senior homeowner to own the manufactured unit and the land on which it sits; the elderly homeowner must, however, have title to the manufactured unit.

  • The household income must be at or below 60% of area median income as defined by the Section 8 Rental Assistance Program.

Subsidy Level
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.

Property Standards
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:

  • Roofs
  • 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  

Christin Reeder
Habitat for Humanity of Greater Memphis
7136 Winchester Road Memphis, TN 38125
901-322-3518
This email address is being protected from spambots. You need JavaScript enabled to view it.

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
901-222-7600

In Fayette, Lauderdale, or Tipton Counties Gloria Williams
Delta Human Resource Agency
915 Highway 51 South Covington, TN 38019
901-476-5226

 

Call the MAAG offices at 901.729.2871 if you have additional questions.

 

Additional Resources

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:

www.tnhousingsearch.org

www.keepmytnhome.org

www.tnhousingresource.org



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