NeighborWorks HomeOwnership Centers of Vermont
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Home Repair Loans.
The NeighborWorks Alliance of Vermont offers home repair loans with low interest rates and affordable monthly payments.  If you have too much consumer debt, we may be able to work with you to reduce your other debt so that you can afford to fix your home.  Home repair loans cover repair and replacement of essential systems, structural problems, roofs, and weatherization. At no charge, our Rehab Specialists write job specifications, approve insured contractors, help coordinate and evaluate bids for the work, inspect the work and manage payments to contractors so you don’t have to worry. Loan eligibility is determined by the following income limits and other factors. To apply for an loan, contact the NeighborWorks HomeOwnership Center in your region.

Home Repair Loans: Maximum Income by Household Size
  1 Person 2 Person 3 Person 4 Person 5 Person

Chittenden, Franklin,
Grand Isle

$42,050

$48,100

$54,100

$60,100

$64,900

Addison

$37,300

$42,650

$47,950

$53,300

$57,550

Bennington

$34,800

$39,750

$44,750

$49,700

$53,700

Caledonia, Essex/Orleans, Lamoille, Rutland

$34,350

$39,300

$44,200

$49,100

$53,050

Orange $34,500 $39,450 $44,350 $49,100 $53,250

Washington

$38,000

$43,450

$48,850

$54,300

$58,650

Windham

$34,600

$39,550

$44,500

$49,450

$53,400

Windsor

$35,850

$40,950

$46,100

$51,200

$55,300


Low-cost Energy Loans.
NeighborWorks Alliance of Vermont has 0%-3% loans to make energy improvements, install alternative energy technology, or weatherize your home.  Loan amounts can be reduced by using rebates from Efficiency VT (www.efficiencyvermont.com/homeperformance) for weatherizing a home and/or heating system replacements.

The Save Energy Assistance Loan program offers:

  • 0%-3% interest rate (different HomeOwnership Centers offer different rates)
  • Free project oversight and coordination
  • Flexible terms to create an affordable payment; deferred loans available to income-eligible customers
  • Rebates for up to 30% of the weatherization work performed by a Home Performance with ENERGY STAR® contractor through Efficiency Vermont.

The Save Energy Assistance Loan program requires:

  • Qualification for income, owner-occupancy, and other basic eligibility requirements
  • Energy audit by a Home Performance with ENERGY STAR professional or Weatherization Assistance Program
  • Improvements must be installed by a Home Performance with ENERGY STAR contractor. Find approved contractors at www.efficiencyvermont.org
  • Other health and safety code items found in the home must be corrected as part of the loan.
To apply for the SEAL program through the NeighborWorks HomeOwnership Center contact the housing loan fund in your region.

Septic Repair Loans.
Dealing with a failed septic system can be time consuming and expensive. Please read the guidelines and income limits on this page carefully!

All Vermont septic systems fall under the jurisdiction of the Agency of Natural Resources, which  makes sure that all septic systems are treated consistently and to protect human health and the environment.  If you need money to repair or replace your septic system, and your income is below the limits on the well or septic charts (different income levels due to funding sources!), contact the local NeighborWorks HomeOwnership Center in your region.

We may also be able to help you with your septic design costs.

Your regional NeighborWorks HomeOwnership Center will send you an eligibility form. Return a complete eligibility form so the Center can determine quickly if you are eligible. If you are approved for a loan, your regional HomeOwnership Center will guide you through the repair or replacement process, help you locate qualified septic system contractors, and will help coordinate required inspections and documents.

Owners-occupied residences with existing septic systems do not need a permit if there is nothing wrong with the septic system and no changes to the system are made. Try to determine on your own if the problem can be fixed with a minor repair. Minor repairs do not require permits and include problems like running toilets, excess grease or chemicals going into the system or too many people using the system. Sometimes, the problem can be easy to fix.

All new septic systems and replacement or modification of existing systems require permits. The most common reason for modification or replacement is the failure
of an existing one.

The Department of Housing and Community Affairs has made resources available to the NeighborWorks® HomeOwnership Centers of Vermont help affected homeowners. The following 80% of HUD median income ceilings will be used to evaluate eligibility for a loan:

Septic System Repair Loans: Maximum Income by Household Size
  1 Person 2 Person 3 Person 4 Person 5 Person

Chittenden, Franklin,
Grand Isle

$42,050

$48,100

$54,100

$60,100

$64,900

Addison

$37,300

$42,650

$47,950

$53,300

$57,550

Bennington

$34,800

$39,750

$44,750

$49,700

$53,700

Caledonia, Essex/Orleans, Lamoille, Rutland

$34,350

$39,300

$44,200

$49,100

$53,050

Orange $34,500 $39,450 $44,350 $49,100 $53,250

Washington

$38,000

$43,450

$48,850

$54,300

$58,650

Windham

$34,600

$39,550

$44,500

$49,450

$53,400

Windsor

$35,850

$40,950

$46,100

$51,200

$55,300

If you are near these limits, please inquire as you may be eligible!

If you think your system has failed, contact a licensed wastewater system designer or engineer. You can find one by calling 802-241-3822 and requesting a list of licensed designers. Or, visit: www.anr.state.vt.us/dec/ww/ST/SiteTechList.pdf. The licensed designer or engineer will help you determine if your system is failed.  If the licensed designer certifies that your septic system has failed and needs a major repair or replacement, you must get a permit and fix your system.

 
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