Housing Rehabilitation Loan Program
The City of Wilmington offers several housing rehabilitation program options designed to address housing repairs, improvements and/or remove health and safety hazards of low-to-moderate homeowners within the corporate city limits of Wilmington.
The city also offers free technical assistance to the homeowner by preparing a detailed list of the repair work and soliciting bids for the repairs. Homeowners select the contractor and authorize all payments to the contractor after the work is satisfactorily completed. Please note that remodeling projects and home additions are not eligible uses of funds under this program. Before applying for the program, you must complete a Free Lunch & Learn seminar.
- Homeowners click here to register for the free lunch & learn class
- Homeowners check out this video about the Housing Rehabilitation Loan Program
|Income Limits for the HOP and Rehab Housing Programs|
Home Ownership Pool (HOP)
The City of Wilmington, in partnership with local banks, is pleased to offer the Home Ownership Pool (HOP). This loan program is available for low-to-moderate income households looking to achieve the benefit of home ownership. The first step of the program is to take a six hour home-buyer education class. You can register by clicking the link below, or by calling 341-7836.
- Click here to register for the six hour home-buying education class
- Check out this video about the Home Ownership Pool (HOP)
|HOP Program Highlights||Pre-Qualifying Worksheet|
|Frequently Asked Questions||Supplemental Documentation|
|HOP Certified Broker List|
HOP Inspection Information
Federal law requires homes purchased with federal assistance to be decent, safe, sanitary, and in good repair. The HOP inspector takes all these factors into account when a house is being inspected for the HOP program.
|HOP Program Property Standards||Sample Preliminary Inspection & Cost Estimate|
|Home Buyer Pre-Offer Checklist||After You Receive Your HOP Inspection Report|
| Lead Brochure
||After You Have Done a D-I-Y Inspection|
HOP Certified Broker Program
HOP Certified Brokers attend a 3-hour class and pass a certification exam, which qualifies them as a HOP Certified Broker. Realtors/Brokers are not required to be certified to serve HOP applicants.
The City of Wilmington lends money to low-to-moderate income homeowners for the rehabilitation of homes in the City. All repairs and improvements are completed by private construction companies. Contractors are selected by property owners based upon bids submitted.
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.
- Fair Housing Laws
- NC Human Relations Commission
- Fair Housing Brochure
- New Hanover County's Brochure
- Housing Discrimination Complaint Information
Assessment of Fair Housing
The City of Wilmington, in partnership with the Wilmington Housing Authority, has prepared an Assessment of Fair Housing as part of its obligations in receiving funding from the US Department of Housing and Urban Development (HUD).
The Assessment of Fair Housing furthers the purposes of the Fair Housing Act. This Act prohibits discrimination in the sale, rental, and financing of dwellings, and in other real estate-related transactions because of race, color, religion, sex, familial status, national origin, or disability.
As a recipient of funding from HUD, the City must address segregation and related barriers for groups with characteristics protected by the Fair Housing Act. The Assessment of Fair Housing (AFH) examines fair housing data including, but not limited to, local data, experience and knowledge. Fair housing issues and contributing factors are identified as part of the AFH process and used in establishing local fair housing priorities and goals.