Frequently Asked Questions:

How is the Housing Program funded?

Funding comes primarily from the Housing and Urban Development (HUD) HOME program.

How do I qualify for the Housing Rehabilitation Program?

You must be a homeowner living within the City of Goodyear. You may obtain assistance once per life time. If you received assistance before, then you may not be eligible. In addition, your income based on family size, must be at or below federal income thresholds for the program. Please contact the Community Development Department for more information about qualifying for the program.

What repairs\replacements are eligible under the Housing Rehabilitation Program?

Repairs\replacements include, but are not limited to: air-conditioning units, evaporative (swamp) coolers, furnaces, dual pane windows, doors, kitchen cabinets, flooring, electrical and plumbing systems, painting, and accommodations for handicap access.  Forgivable loans are available up to $50,000 per household based on household need and the availability of funds.

Do you provide emergency housing rehabilitation?

Unfortunately, the City does not have an emergency repair/rehabilitation program.

Will repair/replacement work result in my moving from my home temporarily?

Occasionally, a homeowner will be asked to vacate his/her home due to the extent of the work to be done.  In such instances, the homeowner is solely responsible for all costs associated with any temporary living arrangements. Also, at the owner's expense, the utilities must be on during construction.

How long should I expect my home's rehabilitation to take?

Depending on the extent of the work needed, may take from 30 to 150 days to complete.

Do I have to repay the forgivable loan?

Forgivable loans are secured with a lien against the home through a Deed of Trust. A portion of the loan is forgiven each year, but is subject to restrictions such as home resale or other changes in principal occupants as well as ongoing property maintenance obligations. If the home is sold before the entire loan has been forgiven, the remaining loan balance will need to be repaid to the City.

What if I want to refinance my home in the future?

You are allowed to refinance your home, provided your lender completes a subordination request form and it is approved by the City. An approval of subordination would allow the new lender to be in first lien holder of a mortgage against the home.

What if I die before the forgivable loan period ends?

The death of the homeowner/borrower shall not constitute a transfer, as long as the home is occupied as the principal residence of a lineal descendant of the homeowner/borrower.  The lineal descendant's annual income level must qualify under Housing Program and MUNICIPALITY eligibility guidelines at the time of commencement of the lineal descendant's residency in the home.  Homeowners are encouraged to obtain a "living trust" or "will" or other legal mechanisms to transfer title to heirs in case of death.

How long will the Housing Rehabilitation Program be available?

Funds are very limited and may only be available through 2010. If you are interested in the program after that time, you may be put on a waiting list until funds are available.