Essential Single-Family Rehabilitation Loan Pool

If you represent a local government or other non-profit housing repair organization seeking sources of funding housing repairs in North Carolina, this page is for you. 

Essential Single-Family Rehabilitation Loan Pool (ESFRLP) funds are available to qualified organizations during each funding cycle to finance moderate home rehabilitations for low- and moderate-income homeowners who are elderly or have other special needs. The Notice of Funding Availability (NOFA) is announced in the last quarter of each calendar year. The Agency serves 33–34 counties annually on a three-year rotating basis, pending the availability of HOME program funds. 

If you are a nonprofit organization, local government or a regional council of government, you may be eligible to apply for the ESFRLP during our next funding cycle. The Agency will post a NOFA on this website to announce new funding cycles. Successful applicants are currently awarded a set-aside of $162,000 for home rehabilitation costs, with the potential of receiving additional funds on a first-come, first-to-qualify, first-served basis. 

You can find the basic required and model documents for current and past cycles on the ESFRLP Forms and Resources section of this website. 

If you are a homeowner seeking assistance with repairs to your home: 

1. You can navigate to our organizational lookup tool here: ESFR Organizations by County
2. You can send an email to gemoore@nchfa.com. Please state the county you live in. 

Single-Family Rehab Programs Listing

Is My Project Eligible?

To be qualified to receive ESFRLP funds, your organization and project must meet the following criteria:

  • Units must be owner-occupied.
  • Units must be occupied by elderly, disabled and/or veteran household members, or must have lead hazards and be occupied by a child six years of age or younger.
  • Household income must be below 80% of the area median income.
  • Households may not reside within the large CDBG Entitlement cities of Charlotte, Durham, Greensboro, Raleigh and Winston-Salem. Only applications proposing to serve an entire county, excluding the five cities listed above, will be considered for funding.
  • Your organization must have the technical capacity to manage residential construction projects.

 

For more information, contact Mike Handley, 919-877-5627, Sarah Zinn 919-578-3580, or Donna Coleman, 919-981-5006.

 

North Carolina Housing Finance Agency / 3508 Bush Street / Raleigh, NC 27609 / 919-877-5700

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All information contained on the following Web pages is obtained from the Agency’s books and records, and is believed to be accurate and reliable. Reference should be made to the official statement and operative documents of each series of bonds referred to herein for complete information on that issue. Because of the possibility of human and mechanical error as well as other factors, this information is provided "as is" without warranty of any kind and no representation or warranty, expressed or implied, is made, nor should any be inferred, as to the accuracy, timeliness, or completeness of this information. Under no circumstances shall North Carolina Housing Finance Agency have any liability to any person or entity for (a) any loss or damage in whole or part caused by, resulting from, or relating to any error (on account of neglect or otherwise) or other circumstance involved in procuring, collecting, compiling, interpreting, analyzing, editing, transcribing, transmitting, communicating or delivering this information, or (b) any direct, indirect, special, consequential, or incidental damages whatsoever, even if North Carolina Housing Finance Agency is advised in advance of the possibility of such damages, resulting from the use of, or inability to use, any such information. This information relates to bond issues of the North Carolina Housing Finance Agency that have been sold and distributed in underwritten public offerings described in the related official statements. Each viewer of the aforementioned information acknowledges that (i) the North Carolina Housing Finance Agency is not now by this document offering any bonds or other securities, nor soliciting an offer to buy any securities, (ii) this information is not to be construed as any description of the North Carolina Housing Finance Agency-such offerings are only made pursuant to the appropriate official statements of the North Carolina Housing Finance Agency, (iii) the information provided speaks only as of the date thereof and the North Carolina Housing Finance Agency has not in any way undertaken to update such information, and (iv) no representation is made as to the propriety or legality of any secondary market trading of the bonds or other securities of the North Carolina Housing Finance Agency by anyone in any jurisdiction. The financial condition of the North Carolina Housing Finance Agency may have changed since the date this information was prepared.

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