Pitt County Government

Pitt County Community Development Program

Owner-Occupied Housing Rehabilitation

Pitt County Community Development, a division of the Planning Department, offers programs that rebuild and repair homes for lower-income citizens.  Each of these programs has a specified maximum funding level per home and certain qualification requirements for the homeowners (see below).  Although the County offers some rehabilitation projects to private contractors through a competitive bid process much of the work is performed by volunteers provided through Grifton Mission Ministries in conjunction with the NC Baptist Men.  This partnership enables the county to stretch funds farther and treat additional homes.

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Helping Citizens Rebuild & Restore Their Homes

We have served 120 houses (2001-2010) with $2,747,331 of grant monies spent on Rehabilitation or Replacement Activities. This equals an average of $29,638 per house and equals an average of $809,223 saved by volunteer hours of the Baptist Men.

 

Pitt County’s Community Development Program May Be Able To Help With Repairs To Your Home…

• If you are a Pitt County Homeowner;
• If you live outside the City Limits of Greenville;
• If you are very-low to low-income;
• If you are a single-parent;
• If you have a large family;
• If you are elderly;
• If you are handicapped;or
• If you are a household with a child with an elevated blood lead level at/or above 10mg/dl;
• And need repairs to your home.

 

Eligibility Process

Step 1.  Submit General Information to be placed on waiting list with Pitt County by May 30th of each year.

• Attend mandatory Information Session, usually in June of each year.

Step 2. Return Application with Required Documents.

Step 3. Assessment of documents and house by staff.

Step 4. Determination of Eligibility.

 

Four Grant Programs Offered

The Community Development Program offers four different grants that help rehabilitate or replace houses.

• HOME – This program is utilized to repair or replace houses.  The program offers up to $45,000 for repairs or up to $65,000 for replacements.  There are strict guidelines and requirements, including the placement of a lien on the improved home for eight years.  This grant is offered every year.
  
• Community Development Block Grant (CDBG) – This grant also offers the same funding limitations and follows the same strict guidelines as the HOME grant.  However, this grant is only offered every three years.
  
• NC Housing Finance- Single Family Rehabilitation (SFR)  This grant is available for Senior Citizens (age 62+). This grant also offers the same funding limitations and follows the same strict guidelines as the HOME grant.  However, this grant is only offered every three years.
  

HOME – available every year Before After   This program can be used to perform major repairs, home replacements, or structural rehabilitations.  The maximum grant allotted is $30,000.  There are some strict guidelines that must be followed with this program.  For instance, a deed of trust or promissory note must be secured. In other words, there will be a lien on you home for eight years following the completion of the work.

Down Payment Assistance Program The HOME Down payment Assistance Program is designed to assist potential low income, first-time home buyers with down payment assistance to purchase a home in Pitt County. A no interest forgivable loan of up to $2,500 may be available to qualified borrowers meeting program guidelines. Assistance will be in the form of a secured no interest loan, forgiven by 1/5 of the original principal balance on an annual basis for the 5-year recapture period. This program is funded with Pitt County HOME Consortium funds. Click Here For More Information

Community Development Block Grant (CDBG) available every three years Before After   The CDBG program can be used to perform major repairs, home replacements, or structural rehabilitations.  In most cases, the maximum grant allotted is $30,000, unless the state authorizes more for a substantial rehabilitation project.  There are some strict guidelines involved with this program as well.  A deed of trust or promissory note must be secured in order to move forward with the work.  In other words, there will be a lien on you home for eight years following the completion of the work.

NC Housing Finance - Single Family Rehabilitation (SFR) available every three years This grant is available for Senior Citizens (age 62+). This grant also offers the same funding limitations and follows the same strict guidelines as the HOME grant.  However, this grant is only offered every three years.

USDA available every year Before After   This program is designed solely for senior citizens, age 62 and over.  This program covers both major and minor home repairs.  The maximum amount of money allotted for materials is $7,500.  There is no lien placed on your home. USDA Rural Housing 504 Loan Program Description - Repair Loans The 504 Loan program assists eligible very low-income applicants who are owner/occupants of a modest single family home in a rural area to make repairs to their dwelling. Loan funds are available to improve or modernize a home, or remove health and safety hazards. Loan Purposes: Repair loans can be used to improve or modernize your house, remove health and safety hazards, or install convenience items. Loan Terms The maximum loan that an individual applicant may receive is $20,000 (at 1 percent interest rate) based on the applicant’s repayment ability and the cost to cover eligible repairs. Who Is Eligible for a Loan? To be eligible for a loan, you must: Be within the very-low income limit for the county where your home is located. Be the owner of a single family dwelling. Be able to repay the loan. Be unable to borrow the money from another lending source. Have a decent credit history.

 

CONTRACTOR'S BID PACKETS

Area contractors are invited to place their company on our mailing list to receive regular mailings of our rehabilitation bid packets.  All contractors must be registered. Request to be added to our mailing list by emailing us.

INFORMATION SESSION

This is a mandatory meeting that must be attended if you want to be considered for any of the offered programs.  To be placed on the mailing list, you must call (252) 902-3280 or 902-3281.  Once your name is on the waiting list, we will send you information regarding the time, date, and place of the next information session.  This meeting usually occurs later in the summer and lasts between one and two hours.  Two sessions will be held in an attempt to accommodate everyone.  If you do not come, you will not be considered for any of the programs.

Required Information To Be Submitted With Application By September 1st

• Social Security Card & Drivers License
• Proof of Income – this includes: Social Security benefits, disability, or pay stubs
• Copy of your Deed – this shows ownership, a life estate is acceptable as well
• Budget Analysis – we do this with you to see where you spend your money
• Credit Report – we do this for you, but your approval is needed
• Mortgage Information (if your home is mortgaged)

Guidelines

The guidelines for the HOME, CDBG, NC HFA – URP and SFR grants are strict, and the stipulations must be followed and adhered to.  They are as follows:

 

What Constitutes Low Income?

Pitt County
INCOME LIMITS 2010
		Max Income			Max Income		Median	Max Income
		Grant CDBG /HOME			CDBG  /HOME /NCHFA		Income	Subdivision
Household Size	30%	50%	60%	70%	80%	90%	100%	115%
1	11,250	18,750	22,500	26,250	30,000	33,750	37,450	43,100
2	12,850	21,400	25,700	30,000	34,250	38,550	42,800	49,250
3	14,450	24,100	28,900	33,750	38,550	43,350	48,150	55,400
4	16,050	26,750	32,100	37,450	42,800	48,150	53,500	61,550
5	17,350	28,900	34,700	40,500	46,250	52,050	57,800	66,500
6	18,650	31,050	37,300	43,500	49,650	55,900	62,100	71,450
7	19,950	33,200	39,850	46,450	53,100	59,750	66,350	76,350
8	21,200	35,300	42,400	49,500	56,500	63,600	70,650	81,250
9	22,500	37,450	44,950	52,450	59,950	67,450	74,900	86,200
10	23,800	39,600	47,550	55,450	63,350	71,300	79,200	91,100
NOTE:	Annual Income as reported under the Census long-form for the most recent available decennial.
							Effective 5/17/10

 

Grifton Mission Ministries

Out of a desire to help the community, a partnership was developed between Pitt County and the Grifton Mission Ministries, a division of NC Baptist Men, in 2003.  Volunteers came from all over North Carolina and other parts of the United States to help residents of Pitt County with needed repairs to their homes.