Emergency Repairs

Need Emergency Home Repairs? Get an Essential Repair Loan!

Need big repairs, but on a fixed income? This loan can help you finance major repairs to keep your home safe and habitable. 0% interest, no required monthly payment and no out-of-pocket expense means you can finance expensive home repairs with no impact on your already limited budget.

Qualifying repairs may include: roof, gutters, plumbing, furnace, water heater, structural, electrical, septic tank

Loan Details

  • 0% interest/.25% APR*
  • No required monthly payment
  • No out-of-pocket expense
  • Maximum loan amount $15,000
  • Closing costs rolled into loan (up to $600)
  • Contractor and project support through INHP
  • Loan matures at the end of 30 years or it must be repaid upon title transfer

Loan Requirements

  • Current on home mortgage and home insurance
  • Property must be owner occupied and in Marion county
  • Review of all outstanding liens and/or judgements
  • Everyone on home title needs to sign loan
  • Use of licensed contractor and property Inspection
  • Income restrictions apply

Please note that the opportunity to obtain an Essential Repair Loan is based on funding availability. Rates and fees subject to change without notice.

Income and other eligibility restrictions apply. Rates and terms are subject to change without notice

* Loan matures at end of 30 years or must be repaid upon title transfer. Closing costs rolled into loan (up to $600)