Critical Home Repairs
In addition to our homeownership program, Energy Capital Habitat partners with existing homeowners whose homes require major safety and structural repairs. Due to the age of the housing stock, many Campbell County owner-occupied homes are in of need significant repairs. In many cases, owners are seniors living on fixed incomes who cannot afford to fix their homes and are in jeopardy of being displaced.
The selection of repair families to partner with Energy Capital Habitat for Humanity is done by a Family Selection Committee in a way that does not discriminate because of race, color, religion, sex, handicap, familial status, sexual orientation, age, gender identity or national origin. Habitat will not discriminate if all or part of an applicant’s income is derived from public assistance programs.
If you are interested in a Habitat repair, please fill out our pre-application form below. If you have questions, please check the Home Repair FAQ.
Home Repair FAQ
Applications are always open for home repairs. However, the typical time from submitting an application to completion of repairs is approximately one year.
Individuals eligible for home repairs must meet the following criteria:
- owns their own home
- home payments and insurance are current
- ability to repay home repair costs
- must be within Campbell County
- home no older than 1978
- willingness to partner with our organization
In order to determine if an individual meets these criteria, a full application must be completed and submitted to Habitat so that we can do a home assessment.
Typically a Critical Home Repair is a major undertaking, and usually no more than one recipient is chosen per year.
At this time ECHFH cannot perform mold remediation or work on homes older than 1978.
Major repairs to your windows, wiring, plumbing, and general home structure/foundation will all be considered.
Minor repairs to the exterior of your home (paint, landscaping) as well as roof repairs will be considered.
Individuals seeking mobility fixes, like handrails, ramps, and doorway extensions, will be given priority.
Previous ECHFH repair projects were part of the Aging In Place and/or A Brush With Kindness programs.
Depending on the scope of a project, and the availability of our volunteers and staff, we may complete more than one of these a year.
Both programs work with people demonstrating significant need, particularly older adults, disabled, veteran or other vulnerable populations such as children exposed to unsafe housing conditions.
Aging in Place helps with accessibility modifications for older residents so that they may remain in their home.
A Brush With Kindness is a neighborhood revitalization project that helps mainly with minor exterior repairs like paint or landscaping.
Our new home repairs program encompasses both of these previous programs if the necessary resources are available.
Repayment is determined by your income level. Eligible families make between 30% and 60% of the area median income.
In Campbell County, that looks like this:
In some cases, Energy Capital Habitat can offer to finance the discounted amount with an interest-free loan to be paid over no more than five years.
At this time, Energy Capital Habitat cannot complete repairs if they total more than $5000.
Critical Home Repair homeowners are required to complete at least 50% of the total projected hours for the project, depending on the complexity of the repair.
As always, those hours do not have to be completed on their own home repair project, and can be accomplished in a number of ways to help the affiliate, like volunteering for events, committees, or with office work.
If you know someone who needs help maintaining their home, please have them contact us, or fill out the pre-application form so that we may contact them.
We all have some debt such as an auto loan, credit cards, or a student loan. All of these may negatively affect your credit score.
Energy Capital Habitat will pull a credit history in order to review any accumulated debt and how you have handled payments in the past.
It may be determined that your debt load will impede your ability to to take on more debt.
Applicants are welcome to apply as many times as they would like. If an application is denied, the applicant will be offered guidance on what items could be corrected for a stronger application in the future.
Yes. Habitat for Humanity is a Christian non-profit organization.
Exodus 22:25 states: “If you lend money to any of my people who is poor among you, you shall not be to him as a lender, neither shall you charge him interest.”
Please note that this interest form is not an application for a Habitat home, but provides Habitat with your contact information so that you can be notified the next time applications are being accepted.
Please be advised that Habitat does not provide temporary or emergency housing. On average, it takes a year from the time an applicant is accepted to the program to the time the applicant moves in to their home. During this time the home is being built and the homebuyer is completing sweat equity hours.