| Housing Rehabilitation Program |
| |
| What is NCIP (Neighborhood Conservation
and Improvement Program)? |
| Under the direction of the City of
Santa Clara Housing & Community Services Division, NCIP
is a multi-purposed program offering technical and financial
assistance to qualified residents. The program is designed for
citywide households with gross incomes at or below 80% of County
median income.
By addressing building/housing code deficiencies and the
abatement of hazardous conditions, NCIP aims to improve the
habitability, use and occupancy of City housing.
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| How Does the Program Work? |
| Determining eligibility is the first
step in taking advantage of NCIP. To do this, City staff will
conduct a housing inspection to determine building deficiencies.
With homeowners approval, City staff then prepares the work
specifications, solicits bids from licensed contractors, and
assists in the securing of all necessary permits to undertake
the home repairs. Throughout the lifetime of the project, City
staff performs construction and progress inspections, issues
contractor permits, and evaluates job performance. |
| |
| All kinds of repairs may be addressed
through NCIP: re-roofing, plumbing, heating/cooling, electrical,
termite damage, foundation and weatherization are examples.
The costs for home repairs are covered under the loan program.
|
| |
| Who Benefits? |
| Both the
homeowner and the City receive benefits from participating in
the program. |
| The homeowner benefits by: |
- Correcting hazardous, deficient housing conditions.
- Increased property values.
- Expert technical assistance in all phases of the project
from start to finish.
- Follow-up after project completion.
- Peace of mind knowing the home repairs are being supported
by expert City staff.
|
| The City benefits by: |
- Improving the safety of the community living environment.
- Revitalizing the older housing stock.
- Increasing property values.
- Stimulating neighborhood reinvestment and beautification.
|
| What Financial Terms Are Available? |
| Financial assistance can come in
the form of either a loan, grant or combination of both. For
each project, the financial terms are reached at the time of
determining eligibility and scope-of-work to be performed. Loan
interest rates can be as low as 3% and increase according to
the household income. Length of time of the loan is typically
up to 20 years on either a deferred payment or monthly installment
payment basis. Essentially, terms are flexible and below market,
based on the applicant's particular income situation.
Since 1976, the City of Santa Clara has assisted more than
1,000 homeowners to rehabilitate and increase the value of
their homes through the Neighborhood Conservation and Improvement
Program (NCIP).
The advantages of the program are great. The City offers
below market interest rates as low as 3% as well as deferred
payment loans. The deferred payment loan must be repaid when
a house is sold or transferred, but there are no monthly payments.
Another advantage of the City of Santa Clara's program is
the quality assurance. Experienced City staff oversees all
phases of work. There is also a one-year guarantee of workmanship
by the contractor.
If your home is within the City of Santa Clara limits and
you meet the income requirements, you may be eligible for
a rehabilitation loan. For more information contact City staff
at 615-2490. They will be happy to help determine your eligibility
and assist you with the application process. Take advantage
of the opportunity to receive an evaluation of your housing
problems with no obligation.
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| [ More Links ] |
2004 Annual Plan Executive Summary (PDF)
Affordable
Housing
First
Time Home Buyers Program
NCIP Application (PDF)
Regulatory
Barriers Clearinghouse
Santa Clara's Non-Profit Partners |
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