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Wake County proposes single $35,000 'Resilient Homes' grant to replace three rehab programs and remove loan barriers
Summary
Wake County staff proposed consolidating three home‑repair programs into a single Resilient Homes grant of up to $35,000 for homeowners at or below 50% AMI to reduce barriers created by a prior $90,000 loan product.
Morgan (Wake County housing staff) presented a proposal to combine three separate home‑repair programs into a single grant program called Resilient Homes.
Under the current structure, Wake County operates an elderly and disabled program (grants up to $20,000), an emergency repair program (grants up to $5,000) and a major repair program that used a $90,000 forgivable loan for households at 50% AMI and below. Staff said the loan product has created barriers: from August 2024 to date, 19 households eligible for the major repair product declined to participate after learning it involved a loan; 14 otherwise eligible households were excluded due to credit score requirements; and nearly half of executed title searches revealed title issues that blocked assistance.
To address those barriers, staff…
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