Homeowner Rehab

The Homeowner Rehab Program makes needed repairs of up to $35,000 for the replacement of major home systems including roofs, siding, windows, furnaces, and other items to bring the entire home up to minimum housing code.   If assistance is provided, all areas of a home have to meet minimum housing code.  The investment in the homeowner-occupied housing in secured by a zero interest, no payment second mortgage due upon any sale of the property or if the home becomes a rental.

The Homeowner Rehab Program is available to homeowners who are income eligible in the target area in the North Central Neighborhood Planning Council 2.  A map of the Homeowner Rehab is given below.  Applications are reviewed on a first-come, first served basis.

To qualify for assistance, household income must be at or below:

 Household Size  1  3  4  5  6 7        8
 2016 Income Limits  $31,100  $35,550 $40,000  $44,400  $48,000 $51,550  $55,100   $58,650


Program Requirements Include:

 
  • Homeowners must be legal residents of the United States.
  • Homeowners must occupy the assisted property.
  • Homeowners must be current on taxes, homeowner’s insurance and their mortgage.
  • Funding is zero payment, no interest, due on sale loan, secured by a five-to-ten year 2nd mortgage.
  • Renters, lease purchase, mobile homes and land contracts are not eligible.

There are no fees to apply.  A City representative would be happy to explain the programs and/or schedule a home visit.  
 Click to Download an application

Contact: Helen Guzzo, Community Development Specialist at 966-3364 or email, hhguzzo@battlecreekmi.gov

An application with supporting documentation must be submitted to apply for the program.  It addition to the completed application, documents needed include:

  • Copy of Driver’s License / Identification Card
  • Proof of Homeownership (Copy of Deed)
  • Proof of paid up-to-date property taxes
  • Proof of Homeowner’s Insurance (declaration page or policy)
  • Proof of income for all household members(most recent tax return, W-2s, two months of paystubs and/or benefit statements) 
  • Two months of all bank statements 

Once an application for the program is received, the City’s Housing Rehab Coordinator conducts a housing inspection and prepares a rehab estimate.   The City puts the estimate out to bid to private contractors.  The homeowner works with the City to choose the contractor.

This program is administered by the City of Battle Creek Community Development through the Federal HOME Investment Partnership funding through U.S. Department of Housing and Urban Development (HUD).

To View HOME Rehab Target Area Map: Click (PDF Document)

Area Target Streets are as Follows: 

          North-South Streets                                                                   East-West Streets                                                                        
Hubbard (between Greenwood & Roseneath)                     Roseneath (between Hubbard & Washington)       
Hancock (between Greenwood & Parkway)                         Northside (end to Washington)
Wood (between Greenwood & Roseneath)                          Laramie Court (between Hubbard & Wood)
Oneita (between Greenwood & Roseneath)                         Helen Montgomery (Hubbard & Washington)       
Kendall (between Greenwood & Roseneath)                        Bowen (between Kendall & Washington)
Howland (between Bowen & Roseneath)                             Blenken Court                   
Washington (between Greenwood & Roseneath)