SFR and ESFR Programs

Single Family Rehabilitation (SFR)

High Country Council of Governments has been awarded SFR funds to rehabilitate moderately deteriorated homes that are owned and occupied by lower-income households with a special needs occupant.

Assistance to the homeowner is in the form of a no-interest, no-payment secured loan which is forgiven over time at the rate of $3,000 per year. The amount of the loan varies for each house and can range anywhere from $5,000 to $45,000 depending on the condition of the home. The home must be economically feasible to rehabilitate. Be advised that some homes may be too deteriorated to be included in the program.

The SFR Program must meet specific energy standards set forth by the State. These are standards designed to save energy and money on monthly utility bills.

Currently assistance through the SFR program is available in Alleghany, Ashe, Avery, Mitchell, Wilkes, and Yancey Counties.

Essential Single Family Rehabilitation Program (ESFR)

Rehabilitation assistance for those living in Watauga County will be available in the Fall of 2016. This year the program has evolved from an Energy Efficiency based program to an Essential Rehabilitation (ESFR) program that focuses on bringing the home up to a minimum housing standard. The funding is the same as the SFR program, a no-interest, no-payment secured loan which is forgiven at a rate of $3,000 per year. The amount spent on each home will range from $5,000 to $25,000. As with the SFR program there may be some homes that are too deteriorated to be included in the program.

Applications for the Watauga ESFR will be accepted in the Fall of 2016.

Eligibility:

To be eligible for assistance under SFR 2014 and 2015; or ESFR 2016 applicants must:

  1. reside within Alleghany, Ashe, Avery, Mitchell, Watauga, Wilkes or Yancey County

  2. own and occupy the home in need of repair

  3. have a gross annual household income that does not exceed 80% of your county's median income for the household size (see income limits below)

  4. have at least one of the following special needs:
    • elderly (62 years old)
    • handicapped or disabled
    • Veteran
    • household with lead-based paint hazards present and a child below the age of six residing

The Property must:

  1. be located in Alleghany, Ashe, Avery, Mitchell, Watauga, Wilkes or Yancey County
  2. require at least $5,000 worth of improvement and no more than $45,000 (for SFR) or $25,000 (for ESFR) worth of improvements including all mandatory energy-related measures. Homes could be turned down if repairs are very extensive.
  3. be a frame or stick-built home. No manufactured or mobile homes are eligible.
  4. NOT be located in the floodplain.
  5. Have a current homeowner’s insurance policy.

How to Apply

To apply for the SFR or ESFR programs, click the corresponding Assistance Policy for your county of residence, and the Pre-Application form. Applications will continue to be accepted as long as funding is available.

SFR Applications and Assistance Policy


2016 Maximum SFR Income Limits Per Household
  1 Person 2 People 3 People 4 People 5 People 6 People  7 People 8 People
 
Alleghany
 

$27,100

$30,950

$34,800

$38,650

$41,700

$44,850

$47,950

$51,050
 
Ashe
 

$27,100

$31,000

$34,850

$38,700

$41,800

$44,900

$48,000

$51,100
 
Avery
 

$27,300

$31,200

$35,100

$38,950

$42,100

$45,200

$48,300

$51,450
 
Mitchell
 

$27,100

$30,950

$34,800

$38,650

$41,700

$44,850

$47,950

$51,050
 
Watauga
 

$34,500

$39,450

$44,400

$49,300

$53,250

$57,200

$61,150

$65,100
 
Wilkes
 

$27,100

$30,950

$34,800

$38,650

$41,700

$44,850

$47,950

$51,050
 
Yancey
 

$27,100

$30,950

$34,800

$38,650

$41,700

$44,850

$47,950

$51,050

For more information regarding the SFR program, please contact

Michelle Ball
Community Development Planner
468 New Market Boulevard
Boone, NC 28607

(828) 265-5434 x.115
mball@regiond.org