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Friday, July 1, 2016

Fair Housing Overview

Fair Housing laws make it illegal to discriminate in housing based on a person’s race, color, gender, religion, national origin, disability, or familial status. For persons with disabilities, the laws go one step farther and include provisions allowing for reasonable accommodations and modifications so that persons with disabilities can live in and enjoy housing and common areas. 


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Housing Rehab Loans

Loans at interest rates from 0 - 2 percent are available to lower and moderate income home owners for housing repairs and maintenance. To qualify for any Housing programs, your property must be in the City limits. There is no application fee to apply for a Direct Rehabilitation Loan.

  • Remodeling projects and home additions are not eligible uses of funds under the Direct Loan Program.
  • Applicants must have owned their home for one year or longer and occupy the house as their principal residence.
  • Loan repayments are based on the ability of the borrower(s) to repay the debt; however, after 20 years any outstanding loan amount is due and payable as a balloon payment.
  • Upon the borrower’s death, any outstanding loan balance is due and payable.
  • The borrower contracts with a private building contractor to handle all repairs.

The city offers free technical assistance to the borrower by preparing a detailed list of the repair work and soliciting bids for the repairs. Borrowers select the contractor and authorize all payments to the contractor after the work is satisfactorily completed.


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Wilmington, North Carolina 28402-1810
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