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Single Family Housing Repair Loans & Grants in North Carolina

open


Applications for this program are originated in the field office serving your county.  Select the Contacts tab above for the NC field office list.

What does this program do? 
Also known as the Section 504 Home Repair program, this provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards.

Who may apply for this program?
To qualify, you must:

  • Be the homeowner and occupy the house
  • Be unable to obtain affordable credit elsewhere
  • Have a household income that does not exceed the very low limit by county
  • For grants, be age 62 or older

What is an eligible rural area?
Utilizing the USDA Eligibility Site you can enter a specific address for determination or just search the map to review general eligible areas.

How may funds be used?

  • Loans may be used to repair, improve or modernize homes or remove health and safety hazards
  • Grants must be used to remove health and safety hazards

How much money can I get?

  • Maximum loan is $40,000
  • Maximum grant is $10,000
  • Loans and grants can be combined for up to $50,000 in assistance

What are the terms of the loan or grant?

  • Loans are termed for 20 years
  • Loan interest rate is fixed at 1%
  • Full title service is required if the total outstanding balance on Section 504 loans is greater than $25,000
  • Grants have a lifetime limit of $10,000
  • Grants must be repaid if the property is sold in less than 3 years

Is there a deadline to apply? 

  • Applications for this program are accepted through your local RD office year round

How long does an application take? 
Approval times depend on funding availability in your area. Talk to a USDA home loan specialist in your area for help with the application

Who can answer questions and how do I get started?
Contact a USDA home loan specialist in your area

What governs this program?

  • The Housing Act of 1949 as amended, 7 CFR Part 3550
  • HB-1-3550 - Direct Single Family Housing Loans and Grants Field Office Handbook

Why does USDA Rural Development do this?
Helping people stay in their own home and keep it in good repair helps families and their communities. Homeownership helps families and individuals build savings over time. It strengthens communities and helps many kinds of businesses that support the local economy.

NOTE: Because citations and other information may be subject to change, please always consult the program instructions listed in the section above titled "What Governs this Program?" Applicants may also contact your local office for assistance.

NOTE: Please select your state using the "Select your location" menu above.  By doing so, any state specific forms and resources will be shown above this note.

Applicant Resources:

Prior to applying, potential applicants are encouraged (but are not required) to go through an informal prequalification process to determine if the repair program may be a good fit for them.  To start, potential applicants can contact their local Rural Development office and provide the following documentation:

Very-low income homeowners in rural areas interested in applying for the repair program (preferably after going through the prequalification process as described above) can contact their local Rural Development office and provide the following documentation:

Borrower Resources:

Rural Development Staff and Application Packager Resources:

  • The 504 Automated Worksheet is a tool designed to identify what type of assistance a homeowner may receive; however, is not a final eligibility determination.  The tool can be used to package 504 loans and grants.
  • Repair packagers are not subject to the certified packaging process for purchase loans. Information regarding the 504 packaging process can be found in HB-1-3550, Chapter 3, Attachment 3-A.
  • Repair packagers must sign a Memorandum of Understanding (MOU) with the State Office.
  • Allowable packaging fees to any public, tribe or private nonprofit organizations may be included in repair loans and grants.
  • Packagers are encouraged to visit the Direct Loan Application Packagers page for information and resources specific to packaging Section 502 Home Purchase Program.
  • Eligibility for repair assistance considers the applicant's age, household income, and Total Debt (TD) ratio. To qualify for a grant, the applicant must be 62 or older.

National Architect Requirements:

Individual states may have particular requirements based on state and local regulations. Please contact the state office in the state where your project is located.

There are no other additional requirements at the national level. If there are additional state-specific requirements they will be listed above.

NC Rural Development Area Office Map

State Office Contacts

USDA Rural Development
4405 Bland Road
Raleigh, North Carolina 27609
Phone: 919-873-2015

Reginald Speight, State Director

Rural Housing Service, Single-Family Housing

William Kenney, Director

919-873-2041

Email: william.kenney@usda.gov

Rural Housing Service, Multi-Family Housing

Byron Waters, Director

919-873-2055

Email: byron.waters@usda.gov

Rural Business and Cooperative Services

Bruce Pleasant, Director

919-873-2031

Email: bruce.pleasant@usda.gov

Community Programs and Program Support

Garland Burnette, Director

919-873-2063

Email: garland.burnette@usda.gov

Rural Partners Network

George Vital, North Carolina Lead

919-873-2034

Email: george.vital@usda.gov

Public Information 

Robert Kerns, Public Information Officer

919-873-2033

Email: robert.kerns2@usda.gov

 

 ASHEVILLE AREA OFFICE

Jody Lovelace, Area Director

160 Zillicoa Street, Suite #2

Asheville, NC 28801

828-254-0916

844-325-6823 Fax

Email: jody.lovelace@usda.gov

Counties Served: All Area One Counties

JEFFERSON SUB AREA OFFICE

134 Law Enforcement Dr., Suite 201

Jefferson, NC 28640

336-246-2885

844-325-6823 Fax

Email: Joyce.Latham@usda.gov

Counties Served: Ashe, Watauga, Alleghany, Wilkes, Caldwell

FRANKLIN LOCAL OFFICE

195 Thomas Heights Road

Franklin, NC 28734

828-524-3175

844-325-6823 Fax

Email: rebecca.pinto@usda.gov

Counties Served: Macon, Haywood, Jackson, Cherokee, Clay, Graham, Swain

SPRUCE PINE LOCAL OFFICE

11943 S. 226 Hwy Suite D

Spruce Pine, NC 28777

828-765-0889

844-325-6823 Fax

Email: susan.roland@usda.gov

Counties Served: Mitchell, Yancey, Madison, Avery, Buncombe, Henderson, Transylvania

SHELBY AREA OFFICE

Jody Lovelace, Area Director

844 Wallace Grove Road

Shelby, NC 28150

704-471-0235

844-325-6850 Fax

Email: kevin.oliver@usda.gov

Counties Served: Cleveland, Gaston, McDowell, Polk, Rutherford, Mecklenburg

WINSTON-SALEM SUB AREA OFFICE

Forsyth County Agriculture Building Room 102

1450 Fairchild Drive

for SFH inquiries, please contact the Shelby Service Center at 704-471-0235 ext 4

DOBSON LOCAL OFFICE

220 Cooper Street

PO Box 66

Dobson, NC 27017

336-386-8751

844-325-6850 Fax

Email: debbie.dickerson@usda.gov

Counties Served: Surry, Yadkin, Stokes

LUMBERTON AREA OFFICE

Larry Sampson, Area Director

PO Box 7426

440-C Caton Road

Lumberton, NC 28360

910-887-3762

844-325-6830 Fax

Email: larry.sampson@usda.gov

Counties Served:  Bladen, Columbus, Cumberland, Hoke, Lee, Robeson, Scotland

SMITHFIELD SUB AREA OFFICE

Johnston County Agric Service Bldg

2736 Hwy 210

Smithfield, NC 27577

919-300-4866

844-325-6830 Fax

Email: kristi.wilson@usda.gov

Counties Served: Johnston, Harnett, Sampson, Wake, Wilson

BOLIVIA LOCAL OFFICE

10 Referendum Drive

PO Box 108

Bolivia, NC 28422

910-253-4448

844-325-6830 Fax

Email: paula.thrush@usda.gov

Counties Served: Brunswick, New Hanover, Pender

ASHEBORO AREA OFFICE

Kelley Woodley, Area Director

847 Curry Drive, Suite 104

Asheboro, NC 27205

336-629-4449

844-325-6822 Fax

Email: sha.stallings-morgan@usda.gov

Counties Served:  Alamance, Cabarrus, Caswell, Chatham, Davidson, Guilford, Moore, Randolph, Rockingham, Rowan, Stanly,   

SANFORD LOCAL AREA OFFICE

2416 Tramway Road

Ernest & Ruby McSwain Extension Educ & Ag Center

Sanford, NC 27332

919-775-3407

844-325-6830 Fax

Email: margarita.marble@usda.gov

Counties Served: 

ROCKINGHAM LOCAL OFFICE

123 Caroline Street

Rockingham, NC 28379

910-895-3950

844-325-6822 Fax

Email: pamela.edwards@usda.gov

Counties Served: Richmond, Montgomery, Anson, Union

HENDERSON AREA OFFICE

Shirlene Alexander, Area Director

853 S. Beckford Drive, Suite A

Henderson, NC 27536

252-438-3134 ext. 4

844-325-6826 Fax

Email: kim.hunt@usda.gov

Counties Served: Vance, Granville, Franklin, Warren, Orange, Durham, Person,

WINTON SUB AREA OFFICE

County Office Building

305 W. Tryon Street

P.O. Box 8

Winton, NC 27986

252-358-7836

844-325-6826 Fax

Email: travis.lassiter@usda.gov

Counties Served: Hertford, Gates, Chowan, Pasquotank, Perquimans, Camden, Currituck, Bertie, Northampton

HALIFAX LOCAL OFFICE

Halifax County Agriculture Complex

359 Ferrell Lane

P.O. Box 7

Halifax, NC 27839

252-583-7171 ext. 4

844-325-6826 Fax

Email: shirlene.alexander@usda.gov

Counties Served: Halifax, Nash

KINSTON AREA OFFICE

Aaron Gaskins, Area Director

2044-C Hwy 11/55 South

PO Box 6189

Kinston, NC 28501-0189

252-526-9799

844-325-6827 Fax

Email: stephanie.hardison@usda.gov

Counties Served: Lenoir, Jones, Craven, Pamlico, Onslow, Carteret, Wayne, Greene, Duplin

GREENVILLE SUB AREA OFFICE

Pitt County Office Complex

403 Government Circle, Suite 3

Greenville, NC 27834

252-752-2035/252-752-2880

844-325-6827 Fax

Email: richard.hines@usda.gov

Counties Served: Pitt, Martin, Washington, Tyrrell, Dare, Beaufort, Hyde, Edgecombe