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Pitt County Government

Pitt County Community Development Program

Owner-Occupied Housing Rehabilitation

Pitt County Community Development, a division of the Planning Department, offers programs that rebuild and repair homes for lower-income citizens.  Each of these programs has a specified maximum funding level per home and certain qualification requirements for the homeowners (see below).  The County offers these rehabilitation projects to private contractors through a competitive bid process.

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Pitt County’s Community Development Program May Be Able To Help With Repairs To Your Home…

  • If you are a Pitt County Homeowner;
  • If you live outside the City Limits of Greenville;
  • If you are very-low to low-income;
  • If you are a single-parent;
  • If you have a large family;
  • If you are elderly;
  • If you are handicapped;or
  • If you are a household with a child with an elevated blood lead level at/or above 10mg/dl;
  • And need repairs to your home.

 

Eligibility Process

clockStep 1.  Submit General Information to be placed on waiting list with Pitt County by May 30th of each year.

  • Attend mandatory Information Session, usually in August of each year.


Step 2.
Return Application with Required Documents by the deadline.

Step 3. Assessment of documents and house by staff.

Step 4. Determination of Eligibility.

 

Four Grant Programs Offered

The Community Development Program offers four different grants that help rehabilitate or replace houses.

  • NC Housing Finance- Single Family Rehabilitation (SFR)  This grant is available for Senior Citizens (age 62+). This grant has limitations and follows strict guidelines.  However, this grant is only offered every three years.
  • NC Housing Finance- Urgent Repair Program (URP) This program covers both major and minor home repairs. The maximum amount is $6,000.
  • USDA - This program covers both major and minor home repairs. It is offered as a supplement to existing funding. Funds may be obtained to compliment a project for completion. There are two different programs, a grant and a loan. The maximum amount allotted for materials with the grant is $7500 and there is no lien placed on the home. The maximum amount allotted for materials with the loan is $20,000. This is a 1% interest loan over 20 years and a lien is placed on the home.

 

NC Housing Finance - Single Family Rehabilitation (SFR)


available every three years


sfr_before sfr_after
Before
After

This grant is available for Senior Citizens (age 62+). This grant has limitations and follows strict guidelines.  However, this grant is only offered every three years.

NC Housing Finance- Urgent Repair Program (URP)


available every year


   
Before
After

 

This program covers both major and minor home repairs. The maximum amount is $6,000.

USDA


available every year
usda_before
usda_after
Before
After

 

USDA Rural Housing 504 Loan Program
This program covers both major and minor home repairs. It is offered as a supplement to existing funding. Funds may be obtained to compliment a project for completion. There are two different programs, a grant and a loan. The maximum amount allotted for materials with the grant is $7500 and there is no lien placed on the home. The maximum amount allotted for materials with the loan is $20,000. This is a 1% interest loan over 20 years and a lien is placed on the home.

Description - Repair Loans
The 504 Loan program assists eligible very low-income applicants who are owner/occupants of a modest single family home in a rural area to make repairs to their dwelling. Loan funds are available to improve or modernize a home, or remove health and safety hazards.

Loan Purposes:
Repair loans can be used to improve or modernize your house, remove health and safety hazards, or install convenience items.

Loan Terms
The maximum loan that an individual applicant may receive is $20,000 (at 1 percent interest rate) based on the applicant’s repayment ability and the cost to cover eligible repairs.

Who Is Eligible for a Loan?
To be eligible for a loan, you must:
Be within the very-low income limit for the county where your home is located.
Be the owner of a single family dwelling.
Be able to repay the loan.
Be unable to borrow the money from another lending source.
Have a decent credit history.

envelope

CONTRACTOR'S BID PACKETS

Area contractors are invited to place their company on our mailing list to receive regular mailings of our rehabilitation bid packets.  All contractors must be registered. Request to be added to our mailing list by emailing us.

INFORMATION SESSION (By Invitation Only)

This is a mandatory meeting that must be attended if you want to be considered for any of the offered programs.  To be placed on the mailing list, you must call (252) 902-3250.  Once your name is on the waiting list, we will send you information regarding the time, date, and place of the next information session.  This meeting usually occurs later in the summer and lasts between one and two hours.  Two sessions will be held in an attempt to accommodate everyone.  If you do not come, you will not be considered for any of the programs.

Required Information To Be Submitted With Application By September 1st sscard

  • Social Security Card & Drivers License
  • Proof of Income – this includes: Social Security benefits, disability, or pay stubs
  • Copy of your Deed – this shows ownership, a life estate is acceptable as well
  • Budget Analysis – we do this with you to see where you spend your money
  • Credit Report – we do this for you, but your approval is needed
  • Mortgage Information (if your home is mortgaged)

Guidelines

The guidelines for the CDBG, NCHFA-SFR, NCHFA-URP and the USDA 504 grants are strict, and the stipulations must be followed and adhered to.  They are as follows:

  1. Property must have one or more substandard conditions, while remaining suitable for rehabilitation.  A property may be considered unsuitable for rehabilitation if it is dilapidated or deteriorated beyond feasible economic repair.
  2. The applicant must have homeowner’s insurance prior to and during the life of the Deed of Trust.
  3. The owner(s) must be current on all mortgages and taxes, and not have collections, liens, judgments, or judgments from IRS, State of NC, or Pitt County. 
  4. The lien placed on the home requires that the applicant must live in the home as a primary residence for at least eight to ten years.  As long as the grantee adheres to the lien conditions, none of the grant monies have to be repaid.  In the event of default on the Deed of Trust or sale of the home, a prorated amount of the grant must be repaid.  Also, only low-income relatives may reside with the applicant.

 

What Constitutes Low Income?

 

2014 Income Limits for Pitt County
Percent Household Size (Number of Household Members)
Median One Two Three Four Five Six Seven Eight
Income Person Person Person Person Person Person Person Person
30% $11,600 $13,250 $14,900 $16,550 $17,900 $19,200 $22,550 $21,850
50% $19,350 $22,100 $24,850 $27,600 $29,850 $32,050 $34,250 $36,450
60% $22,680 $25,920 $29,160 $33,150 $35,040 $37,620 $41,100 $42,780
80% $30,950 $35,350 $39,750 $44,150 $47,700 $51,250 $54,750 $58,300
100% $38,650 $44,200 $49,700 $55,200 $59,650 $64,050 $68,450 $72,900
Effective 12/18/13