The Heart of Camden is pleased to announce the Waterfront South Home Repair Program. This program is made possible through NRTC funding (Neighborhood Revitalization Tax Credit) from the NJDCA (Dept. of Community Affairs). This program is done at no cost to the homeowner, and does not create a lien on the property. The purpose of the programs is to identify and address health and safety related repairs for owner-occupied housing units. Deadline to apply is by 5 pm on Monday, October 30th 2023.
Applications Are Currently Closed:
The process for the program is as follows:
Heart of Camden has received funding to conduct approximately 9 home repairs valued at $5,000 for each household. We anticipate there will be high demand for this program, and a priority will be given to residents who are senior citizens, extremely low income, and/or who have been long-term neighborhood residents (20+ years).
Once applicants have been accepted:
A Heart of Camden employee, with a licensed contractor, will conduct a walk-through of each home to assess and identify health and safety related repairs needed in the house. Homeowner input is important to help identify these issues, though Heart of Camden will make the final decision on repairs. Examples of health and safety repairs would be addressing electric or plumbing; roofing; leaks; minor mold issues; insulation; heating & cooling; etc. Cosmetic repairs like flooring, paint, etc will not be included in this program.
After Heart of Camden has received contractor quotes for repairs within the home, we will discuss with the homeowner the different repair options, though Heart of Camden reserves the right for the final decision based on need and the anticipated cost.
When the scope of work is decided and the contractor is set to begin work, Heart of Camden will pay the contractor directly. Some programs require the homeowner to front the cost of repairs; however, by paying the contractor directly, Heart of Camden is ensuring there is no financial burden on the homeowner.
ELIGIBILITY
To be eligible for the program, homeowners must meet the following criteria:
Resident of Waterfront South Neighborhood (neighborhood boundary defined as Atlantic Ave to the north, I-676 to the east, Newton Creek to the south, and the Delaware River to the west. A map is included for reference)
Income is less than 80% of area median income (see chart below for reference)
For owner-occupied houses only (not available for renters at this time)
**Priority will be given to residents who are senior citizens, extremely low income, and/or who have been long-term neighborhood residents.
INCOME ELIGIBILITY
The median family income for the Philadelphia/South Jersey region is $114,000. Listed below is the chart for low income limits, defined as 80% of area AMI (area median income). All recipients of the Waterfront South Home Repair Program must have incomes below the limits listed below for their respective household size.
1 person - $62,500
2 people - $71,400
3 people - $80,350
4 people - $89,250
5 people - $96,400
6 people - $103,550
7 people - $110,700
8 people - $117,850
How Do I Apply To The Home Repair Program?
There are 3 ways you can apply for the Home Repair Program: