Housing Rehabilitation Loans

The City of Jackson provides low-income homeowners and rental property owners with a variety of loans for the repair of residential properties. The loans are from federal sources, with 0% interest rates and are designed to make repairs more easily affordable while bringing properties up to code. 

Standard Loan Process

  1. Submit an application online at https://portal.neighborlysoftware.com/jacksonmi/participant
  2. Applicant financial interview is conducted
  3. Property is inspected with results being sent to the applicant
  4. Repair bids are requested from 3 contractors
  5. Scope of project is reviewed with applicant, inspector, and financial assistant
  6. Contractor agreement is prepared for review and adjusted if needed
  7. Loan closing is conducted and mortgage documents are recorded
  8. Construction contract is signed and contractor obtains necessary permits
  9. Work is performed
  10. Work is inspected, contractor waivers of lien are obtained, owner signs for acceptance of work, and contractor is paid