Home Repairs
If your home needs repairs that affect your health and safety, we may be able to help. This program covers critical needs such as roof repairs or replacement, furnaces, plumbing and septic system fixes, and more.
How It Works
- We help you get the necessary quotes for the work.
- We manage funds (as trustee) and help ensure repairs are completed properly.
- Funding is provided as a loan, with no interest and no payments required until you sell or refinance your home.
- After five years, half of the loan is forgiven.
Program Eligibility
To qualify for the Emergency Home Repair Program, you must meet the following requirements:
- Residency: Must live in Ottawa County (homes in the City of Holland are not eligible; call (616) 355-1330 for Holland’s Home Repair Program).
- Homeownership: Must own and live in a single-family home (rental properties are not eligible).
- Land Contract Homes: If purchased through a Land Contract, both you and the contract holder must approve the repairs.
- Manufactured Homes: Eligible only if attached to a permanent foundation.
- Homeowners Insurance: Required.
- Financial Standing: Property taxes and mortgage payments must be current.
- Income Limits: Your total household income must be within the guidelines listed in the table below.
- Required Documents: Generally, to apply, you will need to provide your deed to the home, homeowners insurance policy, tax returns, and bank statements. OCCAA specialists may ask you for additional documents.
Income Guidelines
| Family Size | Annual Income |
|---|---|
| 1 | $57,600 |
| 2 | $65,800 |
| 3 | $74,050 |
| 4 | $82,250 |
| 5 | $88,850 |
| 6 | $95,450 |
| 7 | $102,000 |
| 8 | $108,600 |
Need help applying? Call (616) 393-4433 or email our office.
