Our Essential Single-Family Rehabilitation (ESFR) program finances major repairs for North Carolina homeowners who are elderly or have disabilities and whose incomes are 80% or below of the median for their area.
Assistance is provided through local governments or nonprofit agencies that partner with us. These local organizations determine if you are eligible and if so, contract for and supervise the work. If you are approved, you could receive assistance in the form of a secured but interest-free, deferred loan, forgiven at up to $8,000 a year, to pay for necessary repairs focused on health and safety as required by the source of funding. Find an approved ESFR provider below.
