REPAIR YOUR HOME

Rosalyn's House Dedication-19 (Web)In addition to building new and rehabbed homes, Milwaukee Habitat also makes affordable critical home repairs for homeowners in the Washington Park neighborhood.

Habitat’s Critical Repair program is part of our Neighborhood Revitalization strategy, reinvigorating the Washington Park neighborhood on the near west side of Milwaukee. Anchored by the conviction that housing provides a critical foundation for breaking the cycle of poverty and strengthening neighborhoods, Milwaukee Habitat is committed to helping more families achieve stability and independence.

If you live in the Washington Park neighborhood and own your home, see below the list of critical repairs we may be able to assist you with. Apply below!

Types of Repairs

  • Porch Repair
  • Exterior Door Repair and Replacement
  • Roof, Gutter, & Chimney Repair
  • Broken Window Repair
  • Code Violations
  • Plumbing Hazards
  • Electrical Hazards
  • HVAC Repair
  • Foundation Repair
  • Structural Repair
  • Tree Hazards
  • Smoke Alarms
  • Carbon Monoxide Detectors

Qualifications

  • Own & Live In Your Home
  • Income Should Not Exceed 80% of HUD Area Median Income (See Below)
  • Have Homeowners Insurance or Recent Denial Letter (within 90 days) from Insurance Company With Explanation of Denial. (May Be Eligible)
  • Must Be Current on Mortgage Payments & Property Taxes
  • Pass Background Check
  • Willing to Complete Six Hours of Sweat Equity for Projects Under $2500 and 18 Hours for Projects Over $2500. (Sweat Equity includes:
  • Homeowner Financial Education, Volunteering at Habitat Events, ReStore, Warehouse and/or Construction)

Family Income
Your income must not exceed 80% of Milwaukee County’s median income for your family size (see chart below).  Additionally, you must have a stable source income coming into your household.

2017 Annual Income Guidelines

Minimum Maximum
1 Person $14,750 $39,350
2 People $16,850 $44,950
3 People $20,160 $50,550
4 People $24,300 $56,150
5 People $28,440 $60,650
6 People $32,580 $65,150
7 People $36,730 $69,650

Affordability

  • 0% Interest Loans
  • Up To 75% of Project Costs Could Be Covered Based On Your Income
  • Pay Installments Instead of All At Once
  • Veterans Encouraged to Apply

Project Costs & Repayment

 Project Cost $2500 & Under $2501 to $15,000
Income 0% to 40% of Area Median Income
(Will not serve people over 40% AMI that need work $2500 and under)
0% to 80% of Area Median Income
Bankruptcy Bankruptcy status not a factor All Bankruptcies must be discharged in order to qualify for loan financing
(No 2-year waiting period after discharge)
Credit Will review credit report
(but decision not based on credit or Debt to Income [DTI])
Will review credit report
(Debt To Income [DTI] should not exceed 60%. Medical collections have no factor in eligibility)
Repayment 3 payment installments (2/3 of total project costs must be paid off before any work begins and last payment due after work is completed) Option A: 1 payment
Option B: 5 payment installments
Option C: 5% down payment of total project costs and loan up to 5 years (no loans under $2000 and minimum monthly payment must be at least $50)

Apply

DOWNLOAD APPLICATION

Complete the application and send it, along with the other required documents (listed on the application), to:

Natasha Gray, Family Services Director
Milwaukee Habitat for Humanity
3726 N Booth St, Milwaukee, WI 53212
ngray@milwaukeehabitat.org
414-316-5606