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Allegheny Home Improvement Loan Program (AHILP)
Sponsored by the Redevelopment Authority of Allegheny County (RAAC)

The Allegheny Home Improvement Loan Program (AHILP) provides the most affordable way for eligible Allegheny County residents to rehabilitate and improve their homes. The program is sponsored by the Redevelopment Authority of Allegheny County (RAAC). 

ELIGIBLE IMPROVEMENTS:
•Electrical, Plumbing, Heating and Cooling
•Roofing, Siding, Flooring
•General Remodeling
•Lead-Hazard Reduction
•Bathroom or Kitchen Updates
•Structural Repairs, Retaining Walls
•Window/Door Replacements
•Water/Sewer Line Connections (Tap-ins)
•Water/Sewer/Gas Line Repairs
•Other Permanent Home Improvements

Emergency/Priority Improvement Loans
The Emergency/Priority Improvement Loan Product provides timely financing to homeowners for the repair of code violations or emergency conditions that present health and safety hazards. In conjunction to this type of loan, a borrower may also be eligible to receive grant funds toward certain types of eligible improvements.

INTEREST RATE: 0%
MAXIMUM LOAN AMOUNT: $10,000
MINIMUM LOAN AMOUNT: $1,000
COLLATERAL: Mortgage Secured
PROCESSING FEE: None

General Improvement Loans
The General Improvement Loan Product provides financing to homeowners for the purpose of completing general improvements and rehabilitation. Borrowers are required to utilize a portion of their loan proceeds to correct code violations, if any, and to undertake any required lead-hazard remediation activities, if applicable. Remaining loan proceeds can be used to complete energy-related improvements and general property improvements.

In conjunction to a General Improvement Loan, a borrower may also be eligible to receive grant funds toward certain types of eligible improvements.

INTEREST RATE: 1%
MAXIMUM LOAN AMOUNT: $23,000
MINIMUM LOAN AMOUNT: $3,000
COLLATERAL: Mortgage Secured
PROCESSING FEE*: $375.00  *May be financed

ELIGIBILITY REQUIREMENTS
1.Your home/property must be located in Allegheny County excluding the City of Pittsburgh, the City of McKeesport, the Municipality of Penn Hills and the Boroughs of Trafford and McDonald.
2.Your property must be a residential, single-family dwelling and you must occupy it year-round as your principal residence.
3.Your property must be deeded in the name of a natural person (versus any type of corporation, trust, or other entity) and such natural person must hold at least ½ ownership interest.
4.Your total household income cannot exceed the following income limits:

HOUSEHOLD SIZE

INCOME LIMIT

1

$ 61,200

2

$ 69,950

3

$ 78,700

4

$ 87,400

5

$ 94,400

6

$101,400

HUD’s LEAD SAFE HOUSING RULE:
HUD’s Lead Safe Housing Rule is a federal regulation that was issued to protect persons from unsafe lead-based paint hazards during construction and rehabilitation. AHILP is required to comply with this regulation. AHILP borrowers seeking general improvements that will cost over $5,000 / disturb a painted surface / are not emergency in nature (for example, windows, siding and/or other general remodeling) may be required to have Pre-Rehabilitation Lead Testing conducted on their property. If so, AHILP will hire a PA-Certified Lead-Based Paint Inspector/Risk Assessor to conduct such testing and prepare a report of test results for you.

If the test results identify any unsafe lead hazards*, as an AHILP borrower, you must be willing to utilize
a portion of your funding to address such hazards, and your chosen contractor must be trained and certified to work with lead hazards**.

If your lead hazards are substantial or numerous, grant funds are available as a supplement. Certain types of rehabilitation are exempt from the above testing and requirements, such as rehabilitation that will not disturb a painted surface (roofs, furnaces, concrete work, excavation, gas, water or sewer lines). Housing that was constructed after January 1, 1978 is also exempt.

*If the required lead-hazard reduction activities are extensive, you may be required to temporarily relocate.
** After all of your work has been completed, a Lead Clearance Examination will be performed to verify that the reported lead hazards were properly addressed.

How To Apply

For more information, please contact:

Allegheny Home Improvement Loan Program (AHILP)
Sponsored by the Redevelopment Authority of Allegheny County (RAAC)

One Chatham Center, 9th floor 
112 Washington Place 
Pittsburgh, PA 15219

Email: Allegheny Home Improvement Loan Program (AHILP)
Phone: 412-350-1043 or 412-350-6337
Website: www.alleghenycounty.us/ahilp

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