Affordable Housing
Program Overview
The mission of ADFAC's Affordable Housing Program is to (1) repair, improve, or reconstruct substandard, owner-occupied homes, and (2) construct new affordable homes primarily for extremely low or very low income individuals/families. We strive to ensure availability of fair mortgages, promote self-sufficiency and responsibility in our clients, and provide sustainable housing solutions for our communities.
To be eligible for Affordable Housing services, clients must meet residency and income requirements. Affordable Housing serves families and individuals who are low-, very low-, or extremely low-income, as determined by the Federal Housing Finance Board. Beneficiaries for repair and rehabilitation services must own their own homes and have lived there for at least one year.
The program matches government and private grants with local funds, volunteer crews and local contractors. Beneficiaries share the cost of rehabilitation through sweat equity and by paying on low-interest loans. Loan payments go into ADFAC’s revolving loan fund, which in turn is used to help additional clients.
Each year, the Affordable Housing program serves over 400 families and completes about 70 repair, rehabilitation and new construction projects.
Click here to download an application for the Affordable Housing program.
Types of Assistance
 Volunteer Repair
ADFAC coordinates volunteers throughout the year to improve substandard housing and encourage a sense of community by providing free minor home repairs to disadvantaged homeowners.
Minor Home Rehabilitation
The purpose of the Minor Home Rehabilitation program is to address urgent repair needs and prevent further damage by providing timely, affordable solutions to single issue crisis-situation repair requests.
Major Home Rehabilitation
ADFAC’s Major Home Rehabilitation program brings the entire structure up to code through addressing multiple code violations and health/safety issues.
New Homes
ADFAC's New Homes service provides low-income families with the opportunity to become first-time homeowners through the construction of affordable and quality single family dwellings and the facilitation of low-interest mortgage loans. ADFAC has built over 100 new homes since its inception.
Elder Repair Program
The Elder Repair Program provides repair services to citizens age 60 and above. The goal of the program is to address repair needs that will allow seniors to independently stay in their own homes longer.
Yard Enhancement
The Yard Enhancement program makes homes safer and more appealing by addressing code violations that occur on home exteriors.
Home Reconstruction
The purpose of Home Reconstruction is to provide families with safe and decent housing by demolishing homes that cannot be rehabilitated cost-effectively and replacing them with affordable and quality new constructions.
Weatherization GreenKits & Weatherization Workshops
The goal of the Weatherization GreenKit program is to give homeowners the opportunity to make their homes more energy efficient and reduce utilities costs by providing simple weatherization items and instruction.
Financial Literacy/Homeownership Education
ADFAC’s Financial Literacy program prepares prospective homeowners for the financial responsibility of a mortgage by providing personalized training that addresses topics such as paying down debt, building credit and budgeting.
Preventive Home Maintenance Education
The goal of the Preventive Home Maintenance program is to teach homeowners how to preserve their homes and prevent damage through easy and affordable maintenance plans and techniques.
Low-Interest Loans
ADFAC facilitates low-interest loans to allow low-income families to contribute to the cost of repairs, rehabilitations or new homes.
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