Owner-Occupied Rehab Programs
Helping existing residents with critical home repairs
Invest Atlanta administers two Owner-Occupied Rehab (OOR) programs, that operate in various neighborhoods around the city of Atlanta. They include Atlanta Heritage and Westside Heritage Owner-Occupied Rehab programs.
Heritage OOR programs are the City of Atlanta's goal to increase investments from public and private sources to support affordable housing and anti-displacement in Atlanta.
Atlanta Heritage Program -- FAQ
Invest Atlanta and the City of Atlanta Department of City Planning and Community Development utilized $22MM of the 2021 Housing Opportunity Fund to support the continuation of a citywide program to assist homeowners with up to $30K in critical health and safety repairs on the major systems in their home. Application intake will open September 18, 2023, and close September 22, 2023.
Homeowners are invited to attend one of four (4) upcoming community information sessions. At these sessions Invest Atlanta will provide detailed program information and an opportunity for homeowners to ask questions. Applications for the program will be provided at each community engagement event, to be submitted during the week of application intake, outlined below.
*Please note the same information will be provided at each event and applications will NOT be accepted during these events. All events will take place from 9am to 11am.*
| Date |
Location |
Address |
| August 19 |
CT Martin Recreational Center |
3201 MLK Jr Drive |
| August 26 |
Peachtree Hills Recreation Center |
308 Peachtree Hills Ave NE |
| September 9 |
Atlanta Technical College |
1560 Metropolitan Pkwy SE |
| September 16 |
Bessie Branham Recreation Center |
2051 Delano Drive NE |
Didn't get a chance to attend our community info sessions? View the recorded presentation instead!
How to Apply
We have more options than ever for submitting an application.
1
Apply Online
Fill out and submit an application entirely online
2
Complete a Paper Application
Download our paper application to submit by email or in person
3
Submit Your Application In Person
If you desire, you can submit your application in person at one of our partner locations.
Applications for the Atlanta Heritage Owner-Occupied Rehab Program will be accepted from September 18-22, 2023, from 10AM-2PM at the following locations:
| Location |
Address |
| Bessie Branham Recreation Center |
2051 Delano Drive NE |
| CT Martin Recreational Center |
3201 MLK Jr Drive |
| Dunbar Recreation Center |
477 Windsor Street SW |
| Grove Park Recreation Center |
750 Frances Place NW |
| MLK Recreation Center |
110 Hilliard Street |
| Peachtree Hills Recreation Center |
308 Peachtree Hills Ave NE |
| Rosel Fann Recreation Center |
365 Cleveland Ave SE |
You may download a fillable PDF application here, and return it to any location above, or email it to oor@lovbb8.com.
You may also submit an electronic application online here.
Program Details
The citywide Owner-Occupied Rehab program provides eligible homeowners with up to $30,000 in eligible health and safety repairs to critical systems in their home. Funds are provided as a deferred forgivable loan for either 5 or 10-years at a 0% interest rate with payments deferred and forgiven until the earlier of loan maturity, sale, transfer of ownership, or failure to maintain the property as the primary residence during the term of the loan. Direct construction amounts of $15,000 or less have a 5-year term, and direct construction amounts over $15,000 will have a 10-year term. The principal balance is reduced by 10% or 20% annually, provided the eligible homeowner maintains primary residency. The prorated remaining balance is due and payable immediately if the home is sold, transferred or no longer the primary residence within the term of the loan. A lien will be placed on the home.
Preliminary Guidelines (subject to change prior to application launch.)
- Homeowner must reside within the City of Atlanta, excluding the Westside Tax Allocation District.
- Must be a primary homeowner and existing resident of the property at least five (5) years prior to application.
- Annual Household Income must not exceed 60% of area median income (“AMI”; adjusted for household size, limitations may apply).
- 1 Person Household ($42,900)
- 2 Person Household ($49,020)
- 3 Person Household ($55,140)
- 4 Person Household ($61,260)
- 5 Person Household ($66,180)
- 6 Person Household ($71,100)
- 7 Person Household ($76,020)
- Senior households aged 65+, Military Veterans, Disabled Head of Households and those that have been in their homes for 15+ years will have a priority in the program.
- Homeowners with 1st and 2nd mortgage liens are permitted, provided all mortgages are current and not in default.
- Homeowners with outstanding tax liens, FIFAs, etc. are ineligible for the program. Water liens with a payment plan are eligible.
Eligible Repairs
Only the amount needed to cover the cost of the eligible repair items will be provided. All applicants may not reach the full $30,000 budget maximum.
| Interior |
Exterior |
| HVAC / Ductwork / Furnace |
Roofs
|
| Hot Water Heaters |
Gutters |
| ADA Improvements |
Porch / Deck |
| Minor Electrical |
Walkway / Stairs / Driveway |
| Minor Plumbing |
Siding / Exterior Painting |
Take the following steps to get prepared!
- Ensure your mortgage payments are current.
- Ensure that your title is clean with no outstanding liens, other than your mortgages.
- Ensure that all owners agree with participating in the program.
- Ensure that you have active homeowners’ insurance.
- Ensure that you have documentation of your veteran status, if applicable.
- Ensure that you have documentation of your disabled status, if applicable.
- Ensure you have documentation of your income.
Invest Atlanta Income Limits & Maximums
DOWNLOAD (PDF)
Contact Your Program Manager for More Information
| Council Districts |
Program Manager |
Contact |
Phone |
Email |
| 1 & 8 |
Family Community
Housing Association
|
Julius Webb
Rhonda Gilbert
|
470-276-6945 |
jwebb@fchainc.org
rgilbert@fchainc.org
|
| 2 & 9 |
Executive Realty
Solutions
|
Justin Menifee
Rokia Martin
Shauielle Anderson
|
404-549-3367 |
jmenifee@ersreo.com
rmartin@ersreo.com
sanderson@ersreo.com
|
| 3 & 4 |
Meals on Wheels
Atlanta
|
Vona Cox |
404-351-3889
x233 |
vcox@mowatl.org |
| 5 & 7 |
Market Movers
& Mavens
|
Rena Johnson
Timothy Smith
|
678-561-4769 |
rena@mmmavens.com
tsmith@mmmavens.com
|
| 6 & 10 |
House Proud |
Toni Collins |
404-998-9628 |
info@houseproudatlanta.org |
| 11 & 12 |
Synergy Real Estate |
Program Manager |
678-763-1127 |
assistant@synergyrealestate.org |
(Click here to find your District. Type in your address and look under Administrative Area.)
Westside Heritage Owner-Occupied Rehab Program -- FAQ
This OOR program is for residents in the Westside TAD neighborhoods of Vine City, English Avenue and portions of Castleberry Hill), and is funded by the Vine City Trust Fund and Westside TAD tax increment financing. It provides up to $60K for health and safety repairs for eligible households earning 80% of the area median income or less. Funds will be provided in the form of a 10-year forgivable loan at a 0% interest rate with payments deferred and forgiven until the earlier of loan maturity, sale, transfer of ownership, or failure to maintain the property as the primary residence during the loan term.
This program is currently accepting applications. Please contact Meals On Wheels Atlanta at 404-351-3889 or Vona Fox at vcox@mowatl.org to apply.
Eligibility Requirements for Westside Heritage OOR
- Homeowner within the Westside Tax Allocation District (Vine City, English Avenue, and portions of Castleberry Hill)
- Must be a primary homeowner and existing resident as of September 30, 2015
- Household income must not exceed 80% of area median income (AMI), adjusted for household size. (Income Limits PDF)
- Homeowners with 1st mortgage liens are permitted. Homes with other liens (2nd mortgages, tax liens, FIFAs, etc. are ineligible for the program.
- Water liens without a payment plan are ineligible for the program.
Choice Neighborhoods Heritage Owner-Occupied Rehab Program -- FAQ
The application is currently closed, as the program is sunsetting.
Westside Heritage Owner-Occupied Rehab Program -- FAQ
This OOR program is for residents in the Westside TAD neighborhoods of Vine City, English Avenue and portions of Castleberry Hill), and is funded by the Vine City Trust Fund and Westside TAD tax increment financing. It provides up to $60K for health and safety repairs for eligible households earning 80% of the area median income or less. Funds will be provided in the form of a 10-year forgivable loan at a 0% interest rate with payments deferred and forgiven until the earlier of loan maturity, sale, transfer of ownership, or failure to maintain the property as the primary residence during the loan term.
This program is currently accepting applications. Please contact Meals On Wheels Atlanta at 404-351-3889 or Vona Fox at vcox@mowatl.org to apply.
Eligibility Requirements for Westside Heritage OOR
- Homeowner within the Westside Tax Allocation District (Vine City, English Avenue, and portions of Castleberry Hill)
- Must be a primary homeowner and existing resident as of September 30, 2015
- Household income must not exceed 80% of area median income (AMI), adjusted for household size. (Income Limits PDF)
- Homeowners with 1st mortgage liens are permitted. Homes with other liens (2nd mortgages, tax liens, FIFAs, etc. are ineligible for the program.
- Water liens without a payment plan are ineligible for the program.
Choice Neighborhoods Heritage Owner-Occupied Rehab Program -- FAQ
The application is currently closed, as the program is sunsetting.
Homeowner Testimonials
Jeanette Henderson (Resident of City of Atlanta District 2)
Mrs. Henderson is Atlanta native and has been a homeowner in the City of Atlanta for 65 years. As a recipient of a forgivable Heritage Owner Occupied Rehab loan, Henderson was able to afford critical health and safety repairs on her home.
“A lot of people don’t think about the seniors,” said Henderson. “I think the program is a nice thing for senior citizens because seniors don’t really have a lot of money to get these things done.”
Henderson bought her home because she was interested in being a homeowner instead of renting an apartment in Atlanta. With her loan, she is able to remove mold, install new planks, treat and repair termite damage, repair her hot water tank, upgrade pipes, and replace her stairs.
“Some seniors can afford to get some things done but they can’t afford to get everything done,” said Henderson. “This program was a great idea!”
Robert Fisher (Resident of City of Atlanta District 5)
The Heritage Owner-Occupied Rehab (OOR) program has helped Mr. Robert Fisher stay in the East Atlanta home he has lived in for more than 45 years.
His daughter Jacqueline told him about Heritage OOR, and with the funds he received, program managers from the National Property Institute made important repairs to his home. These included upgrades to his heating and air conditioning systems, a new coat of paint on the house, and the trimming of trees on his property.
Asked if he’d recommend the program to his friends and neighbors, Mr. Fisher said, “Of course I would.”
“I think it’s a good idea,” he said. “And I appreciate it.”
“I think it’s a beneficial program for people that plan to stay in their homes,” his daughter said. “It’s worthwhile, especially if you’ve got many things you want to have repaired and you’re on a fixed income, you can’t afford to get it done yourself. So it’s beneficial, very beneficial.”
Homeowner Testimonials
Jeanette Henderson (Resident of City of Atlanta District 2)
Mrs. Henderson is Atlanta native and has been a homeowner in the City of Atlanta for 65 years. As a recipient of a forgivable Heritage Owner Occupied Rehab loan, Henderson was able to afford critical health and safety repairs on her home.
“A lot of people don’t think about the seniors,” said Henderson. “I think the program is a nice thing for senior citizens because seniors don’t really have a lot of money to get these things done.”
Henderson bought her home because she was interested in being a homeowner instead of renting an apartment in Atlanta. With her loan, she is able to remove mold, install new planks, treat and repair termite damage, repair her hot water tank, upgrade pipes, and replace her stairs.
“Some seniors can afford to get some things done but they can’t afford to get everything done,” said Henderson. “This program was a great idea!”
Robert Fisher (Resident of City of Atlanta District 5)
The Heritage Owner-Occupied Rehab (OOR) program has helped Mr. Robert Fisher stay in the East Atlanta home he has lived in for more than 45 years.
His daughter Jacqueline told him about Heritage OOR, and with the funds he received, program managers from the National Property Institute made important repairs to his home. These included upgrades to his heating and air conditioning systems, a new coat of paint on the house, and the trimming of trees on his property.
Asked if he’d recommend the program to his friends and neighbors, Mr. Fisher said, “Of course I would.”
“I think it’s a good idea,” he said. “And I appreciate it.”
“I think it’s a beneficial program for people that plan to stay in their homes,” his daughter said. “It’s worthwhile, especially if you’ve got many things you want to have repaired and you’re on a fixed income, you can’t afford to get it done yourself. So it’s beneficial, very beneficial.”
