Good, safe, affordable housing is a precious community resource. In Lincoln, much of that resource is found in Lincoln's older, low- to moderate-income neighborhoods. While conscientious landlords have a significant positive impact in these neighborhoods, homeownership appears to be the key factor of well-maintained neighborhood housing. In keeping with that, UDD uses funds from several sources (federal, state, and local) for programs that help low- and moderate-income homeowners maintain and improve their homes.
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Home Improvement Loan Program - or HILP
HILP has been discontinued, but a new, similar program is being developed. Those who have already received a HILP loan will continue with no change. To be notified when the new program is available, email or phone 402-441-7864.
Emergency Repair Loan Program
Direct / Deferred Loan Program
- Available only to applicants who have been denied a home improvement loan by a lender
- Property can have 1-4 living units but the homeowner must live on the property
- Property must be in low- and moderate-income (LMI) areas (see map)
- Annual income cannot exceed 80% of Lincoln median income
- For eligible repairs and improvements — call 402-441-7864 for more information
- Direct loans have a 0% interest rate and a minimum monthly payment of $50
- Deferred loans also have a 0% interest rate, but your monthly payments are deferred for two years