Owner Occupied Home Improvement Program

OWNER-OCCUPIED REHABILITATION (OOR) PROGRAM

Households who own and occupy their home and are age and income qualified may be eligible for Owner-Occupied Rehabilitation Improvement Programs offered by the City of Rosemead. Through these programs, funds are available to assist low- and moderate- income (0 to 80% of Maximum Federal Income) homeowners in making certain rehabilitation improvements and upgrades to their single-family residence. Households must income qualify based on the guidelines below:

2024 Maximum Income Guidelines

The total household annual gross income (before taxes or deductions) cannot exceed the following. Income includes but is not limited to wages, tips, self-employment, retirement, cash aid, child support, alimony, etc.:

Household Size (No. of persons)

1

2

3

4

5

6

7

8

Max. Allowable Annual Income

$77,700

$88,800

$99,900

$110,950

$119,850

$128,750

$137,600

$146,500

Based on HUD’s FY 2024 Income Limits for Los Angeles County.

Funds for these programs are limited and allocated on a first-come, first- served basis.  The various programs the City offers are as follows: 

 

Program

Description

Amount

Frequency

EmergencyGrant

Emergency grants are available to eligible senior citizens (62 years and older) for corrections to emergency code deficiencies which constitute an immediate health and safety risk.

Maximum of $5,000

(1) Emergency Grant

Grant

 

The Grant Program offers financial assistance to owners of single-family units 62 years of age or older or considered disabled in need for critical health and safety-related improvements. The maximum grant is $20,000 per dwelling. An additional $5,000 may be approved by the City Manager in the case of roof replacements only. The additional $5,000 may only be used for the cost of a roof exceeding $20,000. The $5,000 may not be used to cover the cost for items not associated with the roof.

Maximum of $20,000

(1) Grant

Match Grant

The Match Program provides a grant of up to $30,000 to low- and moderate-income Rosemead households who own and occupy a residential property that is their primary residence. The grant is available for qualified repairs to the primary structure (detached garages are not included).

Maximum of $20,000

Owner Minium Contribution $5,000

(1) Match Grant

Deferred Loan

The Loan Program provides a 0%, no monthly payment, deferred loan that forgives 25% for every 5 years the owner continuously lives in the home, does not take cash-out and does not change ownership of the property. At the completion of 20 years, the loan is 100% forgiven (becomes a grant). Eligible households must be low- and moderate-income who own and occupy a residential property that is their primary residence. The loan is available for repairs to the primary structure (detached garages are not included).

Reverse mortgage homeowners are not eligible for this loan.

Based on improvement costs and funding availabilitywithout going over the loan-to-value limit
  1. Loan

NOTE: All grant programs (except emergency grant) require the recording of a covenant against the property for payment of liquidated damages in the amount of $10,000 if ownership is changed within one (1) year of the date of the completion of the work.

 

Eligible Improvements

Eligible improvements under these programs include but are not limited to; roof replacement (garages are not eligible), heating and air conditioning repair/replacement, electrical system (rewire and/or electrical panel), water line system/repair, waste/drain replacement/repair, window replacement, sewer line replacement/repair, foundation repair. Improvement must be approved by the City of Rosemead's Community Development Department before work begins and must be done by a contractor who is properly licensed through the State of California.


Process

  1. Pick up application at City Hall, 8838 E. Valley Blvd., Rosemead CA 91770 or request an application via email at [email protected].

     

  2. Return application in person at City Hall, 8838 E. Valley Blvd., Rosemead CA 91770 or via email at [email protected].

     

  3. The application will be reviewed within a few weeks and a letter will be mailed or emailed regarding the status of your application. Please note, additional documents or clarification may be asked of applicant.

     

  4. If approved, a bid walk will be scheduled with three or more contractors of the City’s choosing. The contractors will provide their cost for services requested by applicant.

     

  5. The City will choose the lowest bid with the applicant’s approval.

     

  6. Grant Agreement/Loan Agreement signing to be scheduled. This will also include a Covenant or a Deed of Trust that will be recorded on the property with the Los Angeles Registrar-Recorder/County Clerk.

     

  7. Construction Contract to be signed.

     

  8. Notice to be Proceed to be issued.

     

  9. Contractor and applicant coordinate a time for construction to start.

     

  10. Construction commences.

     

  11. Once construction is complete a Notice of Completion is to be signed by the contractor and applicant.

     

  12. Complete

 

If you have any questions regarding this application or need further assistance, please contact the Destiny Garcia at (626) 569-2153 or by email at [email protected] .