Southern Appalachian Labor School (SALS)

Community Development and Education on the Move

P.O. Box 127

Kincaid, WV 25119

(304) 442-3156

SALS Community Center

Located in Beards Fork

(304) 772-2280

www.sals.info

Sothern Appalachian Labor School offers programs that provide rehabilitation for dilapidated and inefficient homes for low income families in economically devastated  rural coalfield communities. As a  HOME program organization SALS constructs homes and qualifies families for financing through the West Virginia Housing Development Fund. Certified counselors assist families in preparing their applications.

 

 

USDA Rural Housing Services

Rural Developement (Area Office)

Beckley Service Center

473 Ragland Road

Beckley,WV 25801-9753

(304) 253-9597

(304) 252-5809 Fax

rdhomeloans.usda.gov

Home Repair Loan and Grant Program - loans are available to very low-income rural residents who own and occupy a dwelling in need of repairs. Funds are available for repairs to improve or modernize a home, or to remove health and safety hazards. This loan is a 1% loan that may be repaid over a 20-year period.

Eligibility: Applicants for loans may have an income of up to 115% of the median income for the area. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance. In addition, applicants must have reasonable credit histories.

Approved lenders under the Single Family Housing Guaranteed Loan program include:

Any State housing agency;

Lenders approved by:

• HUD for submission of applications for Federal Housing Mortgage Insurance or as an issuer of Ginnie Mae mortgage backed securities;
• the U.S. Veterans Administration as a qualified mortgagee;
• Fannie Mae for participation in family mortgage loans;
• Freddie Mac for participation in family mortgage loans;
• Any FCS (Farm Credit System) institution with direct lending authority;
• Any lender participating in other USDA Rural Development and/or Consolidated Farm Service Agency guaranteed loan programs.

Terms: Loans are for 30 years. The promissory note interest rate is set by the lender. There is no required down payment. The lender must also determine repayment feasibility, using ratios of repayment (gross) income to PITI and to total family debt.

Standards: Housing must be modest in size, design, and cost. Houses constructed, purchased, or rehabilitated must meet the voluntary national model building code adopted by the state and RHS thermal and site standards. New Manufactured housing must be permanently installed and meet the HUD Manufactured Housing Construction and Safety Standards and RHS thermal and site standards. Existing manufactured housing will not be guaranteed unless it is already financed with an RHS direct or guaranteed loan or it is Real Estate Owned (REO) formerly secured by an RHS direct or guaranteed loan.

www.rurdev.usda.gov

USDA Rural Housing Services

Summersville, WV

(304) 872-4966

http://www.rurdev.usda.gov/rhs/

Direct Loan Program- Applicants may obtain 100% financing to purchase an existing dwelling, purchase a site and construct a dwelling, or purchase newly constructed dwellings located in rural areas. Mortgage payments are based on the household's adjusted income.

Eligibility : Applicants for direct loans from RHS must have very low or low incomes. Very low income is defined as below 50 percent of the area median income (AMI); low income is between 50 and 80 percent of AMI; moderate income is 80 to 100 percent of AMI. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance, which are typically within 22 to 26 percent of an applicant's income. However, payment subsidy is available to applicants to enhance repayment ability. Applicants must be unable to obtain credit elsewhere, yet have reasonable credit histories. Elderly and disabled persons applying for the program may have incomes up to 80 percent of area median income.

Terms: Loans are for up to 33 years (38 for those with incomes below 60 percent of AMI and who cannot afford 33-year terms). The term is 30 years for manufactured homes. The promissory note interest rate is set by RHS based on the Government’s cost of money. However, that interest rate is modified by payment assistance subsidy.

Standards: Housing must be modest in size, design, and cost. Modest housing is property that is considered modest for the area, does not have market value in excess of the applicable area loan limit, and does not have certain prohibited features. Houses constructed, purchased, or rehabilitated must meet the voluntary national model building code adopted by the state and RHS thermal and site standards. Manufactured housing must be permanently installed and meet the HUD Manufactured Housing Construction and Safety Standards and RHS thermal and site standards.

 

Capital Resource Agency (CRA)

Kimberly Office
Upper Kanawha Valley Community Center 
14 Old School House Street 
Kimberly, WV 25118 
(304) 442-2018

www.crawv.org/

CRA also administers a Handyman Program for small home improvement projects to promote home safety and accessibility. Applicant must provide ID, proof of income, and social security numbers for all individuals in homes.

 

Montgomery Presbyterian Church

Montgomery, WV
(304) 846-2294

www.wvpresbytery.org

Montgomery Presbyterian Church provides home repairs to those in need on a first come first serve basis. Services are available even if another resource, such as FEMA, is being used. Concentration is on immediate Montgomery area; will assist throughout Fayette County if services are available. Services are available throughout the summer months and early fall.

 

MountainHeart Weatherization

1603 Main Street East

Oak Hill, WV 25901

(304) 469-7627

MountainHeart Weatherization is an assistance program with a mission to reduce energy costs for low income families. It deals mainly with the elderly, people with disabilities and children. Their goal is to improve the energy efficiency of homes while ensuring health and safety.

 

Oak Hill United Methodist Church

250 Main Street

Oak Hill, WV  25901

(304) 469-4126

http://oakhillumc.com/

Oak Hill United Methodist Church provides housing repairs - no income guidelines.  Apply by calling the church office listed above.  The waiting period depends on the availability of work teams and skills to match the repairs needed.

Southern Appalachian Labor School (SALS)

Beards Fork Road
Beards Fork, WV 25173

(304) 779-2280/(304) 779-2772

www.sals.info/

SALS provides assistance with home repairs and new home construction for qualified applicants. Must call for details.