C.H.I.P program for landlords, home owners


CLEAR FORK VALLEY — People seeking help with caring for their homes or rental properties met with representatives of the Community Housing Impact and Preservation Program (C.H.I.P) Tuesday in Bellville.

The program provides help in home repair, rental home repair and owner rehabilitation programs.

Area residents gathered to ask questions of Barbara Richards, grant director, and Ellyn Walsh, who staffs the office in Shelby.

C.H.I.P has two programs. The first is for home rehab, where people can apply to get a grant for major repairs to their own home. To apply, a homeowner must submit income information of anyone living in the home, plus a listing of all other assets.

This program works through a system where housing specialists look at an application, and work with the homeowner to determine what the amount in the grant application should be.

This program puts a mortgage on the property, but 85 per cent of that amount is forgiven and the owner has five years to pay back the 15 per cent amount.

An example Richards gave said a homeowner could apply for a grant of $20,000. The amount to be paid back would be only $3,000.

Bellville mayor Teri Brenkus, who was at the meeting, said the bottom line is that someone could get the use of $20,000, and have to pay only $3,000.

The second part of the C.H.I.P program allows a person to get a grant to make minor home repairs. This would be for only one or two items in a home. This grant is one which does not have to be repaid.

People at the meeting asked questions about specifics in the program. One woman asked about coverage for a mobile home.

Owners of mobile homes would be eligible as long as the structure is taxed as real estate, and it sits on a permanent foundation, said Richards.

Under the program workers with C.H.I.P handle all bidding with contractors, and conduct a bid tour before work can begin.

The program means that there is a 50 per cent savings for a landlord because one half of a project is paid for through grant monies.

Richards said the C.H.I.P program has been at work in Shelby for 14 years.

People here who are interested should apply right away, Richards said, because this is the second year in a two-year grant program, and this means money still available is limited. She said over 50 per cent of grant funds have been spent.

A housing specialist at the meeting, Chris Richards, said it is up to residents to determine which program they would like to use. The specialists within the organization then sit down with applicants to work out specifics.

Brenkus told C.H.I.P workers there are several buildings in Bellville she and others have noticed that appear to be eligible for rehab efforts. She said she is interested in reaching out to the community to let people know there are various options in getting help.

The web site of C.H.I.P is www. ordevelopment.com

Richards said they would be making a presentation to people in Plymouth next week.

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Area residents meet with C.H.I.P. staff at a meeting where they could get information about grants to help with home rehabilitation, and rental property repairs. Louise Swartzwalder | Bellville Star
http://www.thebellvillestar.com/wp-content/uploads/sites/39/2017/08/web1_chip.jpgArea residents meet with C.H.I.P. staff at a meeting where they could get information about grants to help with home rehabilitation, and rental property repairs. Louise Swartzwalder | Bellville Star

By LOUISE SWARTZWALDER

lswartzwalder@aimmediamidwest.com