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RESTORE

RESTORE Emergency Repair Program
20203034
FACT SHEET

Work under this program will be limited to emergency repairs to make the home safer for the homeowner to live in. These work items will be determined after meetings with the applicant, WCCRC’s Project Manager, WCCRC’s Housing and Financial Counselor, and WCCRC’s Program Director, as well as any social service workers the Homeowner may have a relationship with. Family members are encouraged to participate. The Project Manager will write a Work-Write-Up which will be reviewed with the homeowner. Grants will be awarded for emergency repairs only for sole and primary residents.

Participant Eligibility:
  • Individual must be over 60 years old.
  • Individual must own and occupy the residential unit as a primary residence within the service area.
  • Total household income must be at or below 100% of the County Median Income.
  • Must pay taxes to the following Towns/Villages/Hamlets: Delaware County: Harpersfield, Kortright, Middletown, Roxbury, and Stamford Greene County: Ashland, Halcott, Hunter, Jewett, Lexington, and Prattsville, Schoharie County: Blenheim, Broome, Conesville, Fulton, Gilboa, Jefferson, and Summit

Households with income levels at or below 100% of the County Median Income (CMI) in which you live are eligible for this program.

Below is a table of maximum income levels by household size, per county.

Household Size Delaware County
100% Maximum Income
Greene County
100% Maximum Income
Schoharie County
100% Maximum Income
1
2
3
4
5
6
7
8
$48,600
$55,600
$62,500
$69,400
$75,000
$80,600
$86,100
$91,700
$51,300
$58,600
$65,900
$73,200
$79,100
$85,100
$92,800
$96,700
$67,900
$76,500
$86,100
$95,600
$103,300
$110,900
$118,600
$126,200

Household Size and Income

  1. All persons living in the home, related or unrelated, will be considered as part of the household.
  2. All income earned by members of the household over 18 years of age will be considered as household income. We use Federal adjusted gross income figures.
  3. Income includes: Salaries, Alimony, SSI, SSD or SS, Veteran’s Benefits, Pensions/Retirement, Unemployment Benefits, Rental Income, Tips, Worker’s Compensation.

Anyone having a question pertaining to determination of the size of the household or determination of household income may call a WCCRC staff member to discuss it.

Application Process

The application must include copies of all information requested below. WCCRC staff will not make copies for you and we cannot return originals.

You must always call the office at (607) 652-2823 to set up an appointment before coming into the office.

Information needed with application:

  1. Copy of most recent deed; 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.
  2. Copy of the last year of town (and village if appropriate) and school tax bills and paid receipts signed by the clerk – be certain that the section, block and lot numbers can be identified. County tax plans are accepted and must be current.
  3. If applicable, copy of municipal water/sewer bills, showing that payment is current.
  4. Copy of Federal Income Tax Form 1040 (2 most recent years) for all household income earners.
  5. Copy of W2 forms (2 years) for all household income earners
  6. Copies of current pay stubs reflecting 1 month of pay for all household income earners
  7. Or other proof of income (social security award letter, pension, etc.)
  8. Copies of the most recent 2 months bank statements
  9. Copy of Homeowner’s Insurance (declaration page showing coverage dates and values) Proof of payment.
  10. Asset information. Assets include: Checking and Savings accounts, CDs, Stocks, IRAs, Whole Life Insurance (not Term Life), pension accounts [401(k), 403(b)], pending tax refund, and property not connected to your primary residence.
  11. Completed Mortgage Verification Form stating that your mortgage is paid up to date and the amount of the current principal balance.
  12. Copy of electric and fuel (heating) bills.
  13. Copy of documentation for all persons on the household, showing proof of age (e.g. copy of driver’s license)

WHEN YOU HAVE FILLED OUT THE APPLICATION AND HAVE COPIES OF THE REQUIRED INFORMATION (ITEMS 1-13 ABOVE):

  1. Call WCCRC’s Program Director to make an appointment so that staff can review the application with you for completeness. If the application or documentation is incomplete, we will return it to you. You must make another appointment. Staff will only accept your application when it is complete. When the application has been accepted as complete, and eligibility has been determined, we will discuss rehab needs.
  2. Set up an appointment with the WCCRC Financial & Housing Counselor to review your financial situation and ensure that you can continue to maintain the rehabilitation work done on your house, if approved.
  3. WCCRC’s Construction Supervisor will set up an appointment with you to arrange a site visit and an inspection of the rehab work needed within five business days of referral.
  4. WCCRC will prepare a Work Write-Up that will include the scope of work to be bid on and the contractor’s general conditions. The Homeowner will be required to come to the office to discuss the Work Write-Up, pick up the Work Write-Up package, and sign off that everything is as agreed at the site inspection. The office is handicapped accessible. If your house was built before 1978 it may need a lead test.
  5. WCCRC has a list of approved contractors who have can provide proof of worker’s compensation and liability insurance who can provide 3 references to WCCRC. Homeowners who are contractors are not permitted to do their own work on their homes. The Work Write-Up will be made available to the first applicable contractor from WCCRC’s bidders list. Proposals received from contractors will be compared to the in-house cost estimate, and contracts will not be awarded on proposals that differ by more than 10%. If such a proposal is rejected, then the next contractor will be selected.
  6. WCCRC will prepare the contract paperwork for the grant award and the construction contract. You will be notified when paperwork is ready for your signature and you will be required to sign it at the WCCRC office, which is handicapped accessible.
  7. Contractors must begin their projects within 14 days of contract signing and complete the project within 60 days from the start of the repair work.
  8. There will be a lien placed on your home after the work is completed. The lien will be in effect for three (3) years. The amount of the lien will be equal to the amount of the grant. If the house is sold or not maintained within the lien period the grant will be recaptured according to the following schedule: Months 0-12: 100% repayment due, Months 13-24: 67% repayment due, Months 25-36: 34% repayment due, After the 36th Month: 0% repayment due. When the lien is up, WCCRC will issue the paperwork for the Lien Release and send it to the Homeowner; it is the Homeowner’s responsibility to file that paperwork with the County Clerk.

Homeowner Responsibilities

  • You will be required to make several trips to the WCCRC office in Stamford during the program. You will need to make sure you call the office to schedule an appointment before coming because there are times when the staff is out of the office and you may make a wasted trip. The office is handicapped accessible.
  • Your signature will be needed on a grant agreement, construction contract(s), several checks, forms and paperwork during the course of the project.
  • The WCCRC Construction Supervisor will visit your home to determine what your project requires. After the Work Write-Up is approved, contractors will visit your home to prepare estimates. The contractors will discuss options available. All materials and fixtures must fall within the moderate price range.
  • You will need to be familiar with all phases of the work being done at your home. This is your project and your contract with the contractor. You will be responsible for monitoring the work. If there is anything that you are not satisfied with, you need to make the contractor and WCCRC aware of it immediately––do not wait until the job is finished when it is too late to correct the problem.
  • The Homeowner is responsible for obtaining the Building Permit, if one is needed. The job will not be able to proceed until the proper paperwork is filed in the WCCRC office.
  • Any change orders must be approved and signed by WCCRC, the Homeowner, and the contractor before the change order work is started.
  • You will be required to sign a Property Maintenance Declaration (PMD) that will be notarized and filed with the County Clerk’s Office and commit to a three-year maintenance term. The PMD states that during the maintenance term you will maintain the property in good operating order and condition; not sell, move, demolish, or materially alter the property without the prior written consent of WCCRC; and if rental units become vacant, they will be marketed and made affordable to persons of low-income and living with a disability.
  • 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.
  • 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.

If you have any questions, please call and ask before bringing your application to the office.

Western Catskills Community Revitalization Council, Inc.
125 Main Street, Suite A
Stamford, NY 12167
(607) 652-2823 ext. 102

When you have your application filled out and have copies of all the required paperwork,call WCCRC to make an appointment to meet with the Program Director.

Please bring copies of all required documents when you come to WCCRC for your application review. We cannot accept incomplete applications nor make copies for you.

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