Rehabilitation Loan Program

The Rehabilitation Loan Program is currently closed to new applications at this time.

Welcome to the Housing Rehabilitation Single-Family Owner-Occupied Program. This program is for low to moderate-income homeowners in Montrose, Delta, Ouray and San Miguel Counties. The purpose of this program is to provide financial assistance for general repairs and improvements that will improve the health, safety and welfare for owner occupied homes.

The Housing Rehabilitation Single-Family Owner-Occupied Program is for homeowners who may be unable to borrow from a bank because of their lower-income level. Those who earn less than the 80% area median income may qualify. The purpose of this program is to provide technical and financial assistance for general repairs and improvements that will improve the health, safety, and welfare of owner-occupied homes. Funding is provided through the Colorado Division of Housing.


Building More Than Houses

Program Highlights:

  • No interest loans with no payments (100% deferred). Loan due on sale, transfer, refinance, move or death.
  • Available to owner occupied homes in Montrose, Ouray, Delta and San Miguel Counties.

  • Mobile and manufactured homes may be eligible (owner must also own the lot and the foundation must be permanent or home must be tied down).
  • No minimum household income.
  • Maximum loan amount of $24,999.
  • Assist homeowner in soliciting bids for project and help with project managing to final resolution.
  • Assistance in the application process.
  • Helps owners who may be unable to qualify for conventional bank loans.

Home Repair Includes:

Addresses health and safety concerns in several areas of the home.

  • Unsafe roofing or flooring

  • Lack of heat

  • Electrical hazards
  • Plumbing hazards
  • Handicap ramps, grab bars
  • Exterior hazards
  • And more!

You May Qualify If You:

  • Own your home in Montrose, Ouray, Delta or San Miguel County.

  • Mobile and manufactured homes are included.

  • Household gross income at or below HUD low income standards of 80%
  • Primary residence
  • Single Family Home, Duplexes, Town Home, Condominium, Mobile home and Manufactured home on permanent foundation or properly tied down

Get Started in 3 Easy Steps

Step 1

Print and fill-out the Home Rehab Questionnaire.

Step 2

Return the completed application:

In-person: Habitat Office at 1601 N. Townsend Avenue, Montrose, CO 81401

Mail It: P.O. Box 162, Montrose, CO 81402. ATTN: Steve Bolser

Step 3

The Habitat for Humanity Home Rehabilitation Program Coordinator will contact you within a few days of receiving your application.