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Community Development Department

Assisting the Board of Supervisors and the Planning Commission to provide the means of attaining an environment that protects the health, safety and welfare of the citizens; make the most judicious use of the county's resources; reflect the public's values; and be consistent with the individual community's values.
1810 E. Hazelton Ave. Stockton, CA 95205 - Open Mon.-Fri. 8am-12pm 1pm-5pm
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County of San Joaquin

Home Rehabilitation Program

For Existing Residential Dwellings

WHAT IS THE HOME REHABILITATION PROGRAM?

The San Joaquin County Home Rehabilitation Program is a creative financing program that assists property owners in making residential building improvements. It offers low interest amortized and deferred payment loans. The program is designed to make needed renovations affordable for low income homeowners as well as offering a range of services to help make property improvements as easy as possible. It is designed to preserve the health and safety of neighborhoods within San Joaquin County, to increase the attractiveness of the County for residents and to provide qualified homeowners with a decent and safe place to live.


WHAT ARE THE QUALIFICATION REQUIREMENTS?

You must have owned your home for the past year;
Your household income must not exceed 80% of the County median [see Figure 1];
You may have no more that one existing mortgage on your home; and
You must have enough equity to allow for the cost of the repairs [see Figure 2].

SERVICES AND INFORMATION: The following services are provided free of charge:

Inspection of your property with a written report of the needed repairs;
County staff prepares preliminary cost estimates;
County staff provides construction finance counseling and permit expediting;
County staff provides assistance in contractor selection and construction monitoring; and
If your home is replaced, we provide sample floor plans from which to choose.

SPECIFICS ABOUT COUNTY LOANS

County loans are secured by second deeds of trust;
Payments may be deferred or amortized at 2% interest;
Loans are processed on a first come, first served basis unless it is an emergency; and
The homeowner must occupy the home as their principal residence while they own it.

TO APPLY TO THE PROGRAM OR FOR MORE INFORMATION

Call (209) 468-3175


Figure 1: ELIGIBLE INCOME LEVELS

To determine your eligibility for financial assistance, locate your family size on the Table below. To qualify for assistance, your family income cannot exceed the maximum income level that corresponds to your family size

BY FAMILY SIZE

Household Income
Family Size Maximum Income
1 $34,250
2 $39,150
3 $44,050
4 $48,900
5 $52,850
6 $56,750
7
$60,700
8
$64,550

Figure 2: HOME EQUITY

San Joaquin County will make rehabilitation loans that, combined with your mortgage, do not exceed 110% of the value of your property. In Example 1 below, the home is worth $85,000 and 110% of that is $93,500:

Example 1

Home Value

$85,000

110% of Value

$93,500

Existing Mortgage

$70,000

Maximum County Loan

$23,500

In Example 2 below, the home is worth $90,000 and 110% of that is $99,000:

Example 2

Home Value

$90,000

110% of Value

$99,000

Existing Mortgage

$30,000

Maximum County Loan

$69,000

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Kerry Sullivan
Director

Office
1810 East Hazelton Ave
Stockton, CA 95205
Phone: (209) 468-3124
Fax: (209) 468-3163