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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

  Income Limits for the HOP and Rehab  Housing Programs  
Family Size 1 2 3 4 5 6
50% AMI 25,300 28,900  32,500 36,100  39,000  41,900 
 80% AMI 40,450  46,200 52,000  57,750  62,400  67,000 
130% AMI 65,780 75,140 84,500  93,860  101,400  108,940 
*AMI is an abbreviation for Area Median Income

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 HOP class. You can register by clicking the link below, or by calling 341-7836.

     HOP Program Highlights Pre-Qualifying Worksheet
    Frequently Asked Questions Supplemental Documentation     

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

The HOP Certified Broker logoHOP Certified Broker Program

HOP Certified Brokers attend a 3-hour class and pass a certification exam, which qualifies them as a HOP Certified Broker. If you are a Realtor who is interested in becoming HOP certified, please register for the December 13th class.  

Contractor Opportunities

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.

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.

Assessment of Fair Housing City of Wilmington & Wilmington Housing Authority

Wilmington AFH Addendum-final