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See website for homeowner loan eligibility criteria and application. If eligible, with a CLT loan, there are no mortgage insurance payments, no balloon payments, no short terms, no fluctuating interest rates–only 30-year fixed-rate conventional mortgages.
Deferred, low-interest loans may be provided to income-qualifying homeowners to address repairs that focus on: home foundation repair or installation, roof repair or replacement, plumbing, electrical, septic siding, floor, gutters or other repairs to help meet safety standards.

Categories

Low-Income
Maintenance & Repairs
Home Owners
The goal of foreclosure mediation is for homeowners to have an opportunity to discuss options as alternatives to foreclosure, to provide parties with the ability to review programs that could assist in continued payment of mortgages, to review documentation with their bank or lender, and as a last resort, to discuss opportunities and timelines for a “graceful exit” from their homes.

Categories

Home Owners
Foreclosure Counseling
Housing Advice
Housing
Foreclosure prevention assistance funds to help homeowners who have experienced economic hardship as a result of the COVID-19 pandemic.

Categories

Housing Advice
Foreclosure Counseling
Financial Assistance
Help Pay for Housing
Home Owners
Offers major home repairs and improvements in order to maintain safe living conditions and home value. Repairs include, but are not limited to, weatherization, painting, landscaping, and roofing.
Improves a home’s energy efficiency, durability, indoor air quality and addresses health and safety concerns. Weatherization services focus on attic, floor and wall insulation, reducing drafts, heating system cleaning and safety inspection and ventilation improvements. Available for both homeowners and renters with landlord permission.

Categories

Efficient Appliances
Health & Safety
Maintenance & Repairs
Home Owners
Homeowners facing foreclosure can contact a specialist by phone for help understanding their rights, accessing resources and tools, and connecting to advocates that provide hands on help.

Categories

Foreclosure Counseling
Housing
Home Owners
Housing Advice
Low-interest loans for the rehabilitation of residences occupied by owner households with incomes at or below 80% of the median income of Whatcom County. Additional services include inspection to determine needed repairs, assistance in construction oversight, referrals to other agencies for social services beneficial to low- and moderate-income households, and more.
Variety of homebuyer programs to satisfy loan requirements such as those for first time buyers, high cost loan counseling, HomeREACH mortgage prep, and other online courses.

Categories

Housing Advice
Financial Education
Homebuyer Education
Home Owners
Identifies indoor air quality improvements for a home, including mold and moisture reduction, pest mitigation and air quality improvements that can help reduce asthma triggers and improve indoor environments. Available for both homeowners and renters with landlords permission.

Categories

Maintenance & Repairs
Health & Safety
Pest Control
Home Renters
Home Owners

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