Rehabbing A Home


The City of Kettering has a variety of low-interest loan programs to encourage and assist homeowners with financing necessary home repairs as well as remodeling homes throughout the City.
City of Kettering Housing Rehabilitation Program
Low Interest Loans and Deferred Loans
Through the City of Kettering Community Development Block Grant Program, the City sponsors a housing rehabilitation program to assist income eligible homeowners to make necessary repairs. Depending on a household’s income, a household would qualify for a loan with a zero to three-percent interest rate. The terms of the loan are based on the applicant’s ability to repay the loan.
Deferred Loans are available for income eligible residents 62 years and older who have a limited income and lack financial resources to assume a monthly debt.
The application for a rehabilitation loan can be downloaded and printed only for your convenience. We are cannot accept online applications at this time as this section of the City website is not secure for transmitting the confidential information this application requires.
Application Housing Rehab Loan 
Rehab Program Guidelines
Several types of repairs or improvements are eligible under the Housing Rehabilitation Program:
• Heating, plumbing and electrical systems
• Roof replacement
• Windows and doors
• Insulation and siding
City staff works with the homeowner to identify repairs that need addressed, assist the homeowner in choosing a contractor and monitor the quality of construction with the homeowner.
To participate in the low-interest and deferred loans, qualifying residents must own and occupy a single-family residential property. The gross household income must be below the amounts listed below:
2024 Income Limits (80% of median)
Household Size
Household Income
The housing rehabilitation program procedures are briefly described as follows:
• Once the household is determined to be income eligible, the City construction specialist performs interior and exterior inspections.
• The homeowner seeks estimates from contractors and decides which contractor to hire.
• The homeowner completes loan documents for the amount of the loan. A mortgage for the amount of the loan is filed.
• The City construction specialist will inspect the project weekly with the homeowner to ensure quality construction work and that the homeowner is satisfied with the construction work.
All home repairs funded through our housing rehabilitation program will meet our Housing Rehabilitation Standards.

Completed applications are turned in to the Community Development Program Coordinator at 3600 Shroyer Rd. (the Government Center). Appointments are encouraged. You can contact the Community Development Program Coordinator at 937-296-3308.

Services provided by the City of Kettering and the Planning & Development Department do not discriminate on the basis of age, handicap, race, sex, religion, ethnic background, family status or ancestry.
It is the policy of the City of Kettering to make all services accessible to all persons, in accordance with state and/or federal laws. If you have a disability that requires accommodation in order for you to participate in this program, please contact us at (937) 296-2441 or 800-750-0750 (TTY). Reasonable efforts shall be made to provide these accommodations.
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