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Western Catskills Community Revitalization Council

Community Development Block Grant Housing Rehab Program

Town of Fulton Project # 431HR300-25

 

PURPOSE OF THE GRANT:

Funding for necessary housing repairs, to address code violations, and remove hazardous materials

 

PARTICIPANT ELIGIBILITY:

  • Permanent, primary residents who own homes, and pay taxes to, the Town of Fulton, Schoharie County NY
  • Household Income up to 80% of County Median Income.
  • Manufactured Homes are not eligible for this grant.

HOUSEHOLD SIZE AND HOUSEHOLD INCOME

  • Federal Adjusted Gross Income will be calculated using income earned by all members of the household over 18 years of age. All people living in the home, related or unrelated, will be considered as part of the household.
  • Households up to 80% County median income (CMI) adjusted for family size as shown below may apply.
Household Size

Schoharie County Maximum Allowable Income
1 $65,050
2 $74,350
3 $83,650
4 $92,900
5 $100,350
6 $107,800

 

GRANT REQUIREMENTS:

  • Grant Enforcement Mortgage Lien- signed, notarized and filed with the County Clerk to enforce a lien placed on your home in the amount of grant funds. The lien will be in effect for five (5) years after completion of work. If the house is sold or vacated with the lien period, the grant will be recaptured 100% within the first year decreasing by 20% each year after. When the lien is up, release paperwork will be given to homeowner to file with County Clerk.
  • Annual certification– You will be required to re-certify annually for the length of the lien term (three years after date of final inspection). Re-certification is in the form of a letter attesting that you continue to occupy the home as your primary residence and that the home is being maintained in good condition. If the signed letter is not returned in a timely fashion, you will receive a Non-Compliance Warning and the lien will be frozen.
  • Insurance- You will be required to carry homeowners/renters’ insurance during the regulatory period and have Western Catskills Community Revitalization Council, Inc. listed on your policy as an additional insured. Failure to have us listed or maintain insurance in at least the value of your lien will result in your lien being frozen.
  • Grant Agreement & Construction Contracts-sign contracts with WCCRC and winning Contractor as well as checks, progress reports, vouchers, and completion documents throughout the rehabilitation process.
  • Title 18, Section 1001 of the U.S. Code states that a person is guilty of a felony for knowingly and willingly making false or fraudulent statements to any department of the United States Government.

 

APPLICATION PROCESS:

  1. FACT SHEET REVIEW-Review all information on the fact sheet for understanding and eligibility
  2. APPLICATION-Fill out application fully and make copies of all required documentation
  3. INTAKE APPOINTMENT- Call WCCRC to make an intake appointment bringing all documents for review.
  4. HOUSING COUNSELING- Meet with HUD Housing Counselor for budget review
  5. HOME SURVEY- Construction staff will visit home to conduct survey of needs
  6. PROJECT AWARD- Final review and written approval letter if awarded, signing of contracts

 

The application must include copies of all the information requested below to be complete. Incomplete applications will be returned. WCCRC staff cannot make copies for you, nor can we return originals.

 

CHECKLIST OF DOCUMENTS:

  • Copy of most recent deed to your home; be certain that the book and page number – where deed is filed – and the property description are on the deed. All people named on the deed will need to sign the application.
  • Copy of the last year of town (and village if appropriate) and school tax bills and paid receipts signed by the clerk. County tax plans are accepted and must be current.
  • A copy of Homeowner’s Insurance (declaration page showing coverage dates and values) with proof of payment.
  • Copy of documentation for all people in the household, showing proof of age (e.g. copy of driver’s license)

Income Verification:

  • Copy of Federal Income Tax Form 1040 (2 most recent years) for all household income earners.
  • Copy of W2 forms (2 years) for all household income earners
  • Copies of current pay stubs reflecting 1 month of pay for all household income earners
  • Or other proof of income (social security award letter, pension, etc.)
  • Copies of the most recent 2 months bank statements

If applicable,

  • Completed Mortgage Verification Form (provided with application) stating that your mortgage is paid up to date and the amount of the current principal balance.
  • Copy of municipal water/sewer bills, showing that payment is current or in a payment plan.

 

When you have a completed application and copies of all documents

CALL TO MAKE INTAKE APPOINTMENT

(607) 652-2823 ex.107

 

Western Catskills Community Revitalization Council, Inc.

125 Main Street, Suite A Stamford, NY 12167