Vibrant Neighborhoods 0% Interest Home Loans

Since 2014, we’ve created Vibrant Neighborhoods, one home at a time.

Vibrant Neighborhoods Home Renovation Loans have given 40 homeowners deferred 0% interest loans to finance improvements they could not have managed on their own, with loans up to $10,000. Many homeowners matched the loan with their own funds to make significant improvements to their properties.

Renovated kitchens, bathrooms, retrofits to accommodate limited mobility, sagging retaining walls, leaning garages – we’ve seen (and funded) all that and more! The homeowner repays the loan (with no interest) upon sale or refinance.

Best of all, program rules required the homeowner to invest 50% of the total project to exterior improvements, so the whole neighborhood wins.

In 2019, this program is designated for our FOCUS Neighborhoods of St. Helena (Colgate Ave.), Old Dundalk (Shipway), and Sollers Pt. Road (Turner Station). To learn more, please call Tasha at 410-282-0261 X3 or email. Frequently Asked Questions are here; the application is here.

Senior Home Repair Loans

For so many low-income residents over 60, food, medication, mortgage payments and other ‘musts’ mean home repairs are deferred. Often, hazardous situations that threaten safely and health don’t get the attention they require.

We help seniors in our FOCUS Neighborhoods – Old Dundalk, Dun-Logan, St. Helena, Turner Station and (in 2019) Graceland Park – with free repairs. They may include door repair, grab bar installation, plumbing repairs, and other safety/health projects.  In 2018, we have helped seniors in 30 households to age in place!

We thank Maryland Department of Housing and Community Development for funding Senior Repair. We look forward to continuing the program to more FOCUS Neighborhood senior homeowners in 2019.  Contact us for more info at 410-282-0261 X3.