Dearborn Heights Offers Interest-Free Loans for Owner-Occupied Homes Damaged by Flood – Press and Guide
The City of Dearborn Heights Residential Rehabilitation Program embraces the mission of the Department of Housing and Urban Development (HUD) with a comprehensive program to assist low and moderate income residents based on city rehabilitation standards in accordance with regulations HUD. Funding from this loan can be used to make flood related repairs not covered by FEMA or Wayne County assistance programs.
City residents are eligible if:
â¢ They own and occupy their home;
â¢ They meet the income eligibility criteria;
â¢ All municipal and county taxes, water bills and mortgage payments (if applicable) are paid to date on the property.
The loan is a zero-rate deferred loan that is not payable in full until the home is vacated, sold, rented, or refinanced. A lien will be placed on the property for the loan amount. No credit or equity check is required to qualify for this loan.
For more information on the City of Dearborn Heights Residential Rehabilitation Program Loan, see the program’s website at http://www.ci.dearborn-heights.mi.us/residents/community_and_economic_development. php, or contact the city’s community and economic development department. at 313-791-3500, or by email at [email protected]
Resources offered by Wayne County
Wayne County is offering financial assistance to residents affected by the June 2021 flooding. The funding will help them cover damages and costs that were not covered by FEMA or private property insurance. This grant is intended to cover the costs of material goods and personal effects such as rugs, sofas, drywall and food. Additionally, this grant can be used to cover contract labor if the applicant can provide detailed quotes or receipts from their contractor. Residents of Wayne County have until September 21 to apply for this grant.
The eligibility conditions include:
â¢ The property for which the applicant is applying must be located in Wayne County (excluding the city of Detroit);
â¢ The property must be residential property;
â¢ The damage must be due to the meteorological events of June 25 and 26;
â¢ Applicants must have applied for FEMA assistance to qualify for flood relief grant funding.
Applicants for the Wayne County grant will need to provide the following information:
â¢Proof of address;
â¢ FEMA application number;
â¢ Photos of damaged personal effects;
â¢ Insurance claim documents (if applicable);
â¢ Detailed quote and / or receipt for the contractor’s work (if applicable).
The deadline to apply for the Wayne County grant is September 21.
For more information on the Wayne County program, including an online application, go to: https://www.waynecounty.com/departments/econdev/wayne-county-flood-assistance-grant.aspx
FEMA Still Offers Help
Time is running out for people who suffered flood damage in the June storms / floods to seek disaster assistance from the Federal Emergency Management Agency (FEMA). The last day the organization will accept registrations / requests for disaster assistance is Wednesday October 13th. Those wishing to apply for financial assistance can do so until the deadline of October 13 at the latest:
Make a request by phone, by dialing: 1-800-621-3362
(TTY: 1-800-462-7585 / 711 or Video Relay Service (VRS): 1-800-621-3362)
Callers should have the following information available when calling:
â¢ Address and postal code;
â¢ General condition of the damaged house;
â¢ Insurance information, if available;
â¢ Telephone number where the caller can be reached;
â¢ Address where the caller can receive mail (or e-mail address to receive electronic notifications).
Online application, by accessing: DisasterAssistance.gov
The applicant should carefully follow the step by step instructions outlined throughout the online application process.
Download and access the free FEMA application on the phone
The app is available in Google and Apple stores.
Once registered, a FEMA registration number will be provided. It is important that the caller records this number – it will be required whenever FEMA is contacted for follow-up information regarding this request / registration.
Once approved, disaster assistance funds can be sent directly to a person’s bank account by direct deposit. To do this, the following information must also be provided:
â¢ Type of bank account (savings / checks / etc.);
â¢ Bank account number and bank account routing number.