The City of Parkersburg and the Wood County HOME Consortium offers various housing programs for very low, low and moderate income households of Parkersburg and Wood County. Through the United States Department of Housing and Urban Development (HUD) CDBG and HOME programs, the City has funds for first time home buyers and current home owners.

Parkersburg – Wood County HOME Consortium

The Consortium is comprised of Wood County and the cities of Parkersburg, Vienna and Williamstown, WV. These funds can be appropriate for projects in Wood County.

Owner Occupied Rehabilitation

The Wood County HOME Consortium’s Owner Occupied Rehabilitation Loan Program provides low interest loans to qualified households in order to bring the family’s structure up to state and local building codes. This program allows residents, who may not normally qualify for a traditional home equity loan, to make important improvements to their home. Owners must meet income guidelines, live in Wood County and bring the house entirely up to code.

Who is Eligible for the Program?

To be eligible for the program you must:

• Be a resident of Wood County;
• Own and reside at the property you are applying for;
• Meet and verify income eligibility requirements;
• Mobile homes and homes with land contracts are not eligible.

What are the income guidelines?

Households cannot exceed the following household income levels to be eligible*:

2018 Income Guidelines
Number of persons in household  – Maximum gross income

1 – $30,000
2 – $34,250
3 – $38,550
4 – $42,800
5 – $46,250
6 – $49,650
7 – $53,100
8 – $56,500

Income guidelines subject to change annually per U.S. Department of Housing and Urban Development. Last Updated: 6/1/2018

How does the process work?

1. Complete a loan application and submit verification of income, housing expenses and debts (pay stubs, copies of utility bills, credit card statements, etc.) to the City.

2. The City’s Housing Inspector will perform a detailed work-up document of all renovations that are required to ensure the home meets local building code requirements. The Development Office staff will also evaluate your application, including your ability to pay at this time.

3. If the total cost of repairs to the home is under the maximum loan amount ($30,000) and the applicant and City agree on terms of the loan, the City will put the project out to bid using a list of qualified, licensed contractors.

4. Contractors contact the homeowner for a detailed inspection of the home and submits a bid to the City.

5. The City opens the bids and generally awards the project to the lowest qualified bidder.

6. Once the contracts and loan agreements are signed, the contractor selected has 60 calendar days to complete the work, with final approval coming from the owner.

7. Loan repayments begin after the work is completed— on a mutually agreed upon time.

What will my monthly payment be?

Repayment of the loan is based on a number of variables and every case is different. After reviewing your situation, the City will explain the loan details before your home repairs go out to bid.

Can I receive money to do home repairs myself?

No. Program regulations prevent the homeowner from doing the work themselves. Work must be done by a City approved contractor.

I need a new roof, will this program pay for that?

Yes, but the City will do a complete inspection of your home to see what other repairs are also required. According to federal guidelines, the City must bring the entire house up to state and local building codes, not just repair certain portions of the home.

If I apply today, when will my house be repaired?

This program operates on a first-come, first-served basis. Currently, the waiting list for this program is approximately one year.

How do I sign up for this program?

Download the Owner Occupied Rehab Loan Application, Or call the City’s Development Department at 304-424-8418 to have an application mailed to you. You can also stop by the 5th floor of the Municipal Building to pick one up.

For more information on the Owner Occupied Rehabilitation Program, call 304.424.8452 or email ryan.barber@parkersburgwv.gov.

Down Payment Assistance Program

Down Payment Assistance Program Pverview

The City of Parkersburg and the Parkersburg/Wood County HOME Consortium seeks to provide homeownership opportunities for low- and moderate-income person(s), families or households.

To address this need, the City of Parkersburg, through the use of HOME Investment Partnership funds (“HOME”), has established the Down Payment Assistance Program (DPAP). The DPAP’s purpose is to assist eligible families or households to become homeowners through downpayment and closing cost assistance. To make home ownership an affordable reality, the City of Parkersburg has formed a working partnership among the local lending institutions and realtors.

The City of Parkersburg may provide up to $10,000 as a forgivable loan to eligible and approved pre-applicants to cover the costs associated with reasonable down payment and closing cost expenses. The total amount of assistance provided will be determined on a case-by-case basis.

Who is Eligible for the Program?

To be eligible for the program you must:

  • The dwelling must be located in the corporate limits of Wood County;
  • Applicant must own and reside at the property for a minimum of five years;
  • Applicant must meet and document income eligibility requirements;
  • Applicant must be a first time home buyer

 

What are the income guidelines?

A person, family or household income for this program will be based upon total gross annual income. The definition of annual income shall be consistent with the federal regulation found at 24 CFR 813.106. Annual income shall be all anticipated income from all sources received by the family head, spouse and by each additional member (aged 18 years and older) of the family or household, related or unrelated, including net income derived from assets, for the twelve month period following the initial determination of income.

2018 Income Guidelines
Number of persons in household  – Maximum gross income

1 – $30,000
2 – $34,250
3 – $38,550
4 – $42,800
5 – $46,250
6 – $49,650
7 – $53,100
8 – $56,500

Income guidelines subject to change annually per U.S. Department of Housing and Urban Development. Last Updated: 6/1/2018

Application Process

The following is a suggested format for making application for the DPAP:

  • Any interested person, family or household may request from the City’s Development Department a copy of the DPAP guidelines.
  • The interested party takes responsibility to select an eligible dwelling unit as set forth under Section II D (Dwelling Requirements) and requests from the Development Department a Pre-Application packet.
  • The interested party submits a completed Pre-application for eligibility review and program compliance. A Pre-applicant will be notified via certified mail if ineligibility is determined.
  • The City conducts the inspection of the subject property for DPAP compliance (i.e., Housing Quality Standards and the International Existing Building Code – IEBC – of 2015). Notification of the dwelling unit’s compliance or non-compliance will be communicated to the Pre-applicant, the lending institution and the realty company. In the event it is found that the dwelling does not pass the code inspection, the Pre-applicant may select another program eligible dwelling or negotiate with the property owner to correct the code deficiencies.
  • The City contacts the DPAP applicant’s mortgage lender and/or realtor to determine the agreed upon purchase price of the dwelling, the down payment amount required and the loan closing cost.
  • The City reviews the financial information obtained and conducts an Affordability Analysis for program compliance. If compliance is met, the City determines the actual amount of DPAP assistance and so notifies the applicant, the lender and/or the realtor.
  • The City sends a letter of loan commitment to the First Time Homebuyer, who reviews the terms and conditions, agrees to the terms, and returns a signed copy back to the City.
  • The City and lender establish a mutually agreed loan closing date. Several lead business days will be needed to have DPAP funds available for the loan closing.
  • The City completes the Reservation of Funds form and prepares lien documents for signing at the loan closing.
  • A check will be made out to the City Attorney, who will be responsible for the loan closing.

 

Affordability Requirements

The purchase value of the single family, detached home cannot exceed 95% of the area median purchase price, or $128,000.

Purchase price guidelines subject to change annually per U.S. Department of Housing and Urban Development. Last updated: 3/3/2017

Housing Counseling

The DPAP requires all applicants to complete a housing counseling course. Evidence of attendance and completion of a housing counseling course is required when submitting a Pre-application. Acceptable forms of evidence include course diploma, certificate, and/or letter from the course instructor/entity.

Pre-Application Fee

A fee of fifty dollars ($50.00) is due with the submission of the Pre-application. Either personal check or money order made payable to the “Parkersburg/Wood County HOME Consortium HOME Program” is acceptable. The Pre-application fee is refundable at the completion of the loan closing. It is refundable also if it is determined that the Pre-applicant is ineligible to participate in the DPAP. The fee will not be refunded if an approved applicant elects not to proceed with the purchase of a dwelling.

What is considered a first time Homebuyer?

For the purposes of the DPAP, a “first time homebuyer” shall be defined as a person, family or household whereby:

  • There has been no previous history of home ownership;
  • A displaced homeowner situation exists whereby a home is lost due to unemployment, underemployment or other economic loss;
  • A displaced homeowner situation exists whereby the homeowner has not worked full-time, full year in the labor force for a number of years, worked primarily without remuneration to care to the home or family, and who is unemployed or underemployed.

 

What are the dwelling requirements?

To comply with federal regulations and ensure safe, decent and affordable housing to potential DPAP applicants, the following criteria apply to the selection of a dwelling:

  • The dwelling unit must be located within the corporate limits of Wood County; and
  • It must be in compliance with the minimum property maintenance code of the City of Parkersburg or be capable of being brought up to code; and
  • It must not contain evidence of defective paint surfaces (i.e., surfaces upon which paint is cracking, scaling, chipping, peeling or loose) on all intact and non-intact interior and exterior painted surfaces. If the dwelling unit contains defective paint surfaces, the City of Parkersburg reserves the right to deny homebuyer assistance through the DPAP for the purchase of the subject property; and
  • It will be occupied as the primary and principal residence of the first time homebuyer; and
  • The purchase of the dwelling unit cannot be financed through a land contract.

Loan Amount

The City of Parkersburg will provide up to $10,000 in HOME funds as a forgivable loan to eligible and approved DPAP applicants to cover the down payment and closing costs related to the purchase of a dwelling. The amount of down payment assistance is determined by that which is reasonable and customary. The total amount of assistance will be determined on a case-by-case basis. The homebuyer must provide a minimum of $500.00 OR three percent of the total down payment and closing cost expenses, whichever is the higher of the two. In any event, closing cost assistance is limited to $2,500 out of the total amount of $10,000 in assistance.

Loan Term

The DPAP provides a forgivable loan with a term of five (5) years. The City will place a lien on the property purchased with HOME assistance and the City will subordinate to the first mortgage.  If after five years the DPAP applicant has maintained ownership and has continued to live in the property assisted through the DPAP, the loan is forgiven as a grant.  However, if the DPAP applicant sells, leases or transfers the property or fails to use it as their primary and principal residence, the DPAP applicant will be required to repay the appropriate amount of DPAP assistance to be determined based on the Resale/Recapture Provisions of the HOME Program.

How do I sign up for this program?

Download the DPAP Application, Or call the City’s Development Department at 304-424-8418 to have an application mailed to you. You can also stop by the 5th floor of the Municipal Building to pick one up.

For more information on the Down Payment Assistance Program, call 304.424.8519 or email lisa.cullum@parkersburgwv.gov.

Single-Family Housing Opportunity Program (SHOP)

Single-Family Housing Opportunity Program (SHOP)

The SHOP program is funded by the HOME Investment Partnership (HOME), which is a Federal Entitlement Program through the U.S. Department of Housing and Urban Development. The Program assists households that are interested in purchasing a home in Wood County by reducing and delaying a mortgage costs. Instead of financing the total cost of a home through a conventional bank for 30 years, the Consortium defers a portion of the debt until the lending institution is paid back in full or in 20 years, whichever comes first. After the first loan is paid back, the Consortium’s loan is due and must be repaid in 10 years.

Potential applicants (households) must be at or below the HUD Defined Low-Moderate Income (LMI) Regulations, which is 80% Area Median Income. Potential households must also qualify for a loan, from a traditional lending institution, that covers the balance of the purchase price the Consortium does not cover. The amount the Consortium will cover, depends on the level of household income.

How do I sign up for this program?

Download the Application here Or call the City’s Development Department at 304-424-8418 to have an application mailed to you. You can also stop by the 5th floor of the Municipal Building to pick one up. For a full description of the programs guidelines and process, please download the Policies & Procedures Manual here.

2018 Income Guidelines

Number of persons in household  – Maximum gross income

1 – $30,000
2 – $34,250
3 – $38,550
4 – $42,800
5 – $46,250
6 – $49,650
7 – $53,100
8 – $56,500

Income guidelines subject to change annually per U.S. Department of Housing and Urban Development. Last Updated: 6/1/2018.

The percent of assistance a household may be eligible for is determined by their annual income, but may not exceed a total of $25,000 per applicant. The following chart outlines the new program guidelines.

Household Income Guidelines:

  • 0 to 30% median income would be available for up to 40% of the overall home cost.
  • 30% to 50% median income would be available for up to 35% of the overall home cost.
  • 50% to 60% median income would be available for up to 30% of the overall home cost.
  • 60% to 80% median income would be available for up to 25% of the overall home cost.

All sources of income for the household must be disclosed when submitting an application. “This information is used to help determine if an applicant qualifies for the program and the income category they may fall under,” said Lisa Cullum, Financial Compliance Officer for the City of Parkersburg.

For more information on the SHOP – First Time Home Buyer Program, call 304.424.8595 or email lisa.cullum@parkersburgwv.gov.

New Construction

The Wood County HOME Consortium is proud to partner with Wood County Habitat for Humanity in building new homes for low to moderate households in Wood County. If you are interested in more information about Habitat and how to become qualified for you own home, please call 304-422-7907.

Parkersburg Housing Programs

These programs are made available through the City’s Community Development Block Grant Funds and therefore are only available to residents in the community.

Emergency Repair Program

A grant of up to $6,000 is available for home-owners to assist with specific home repairs that eliminate conditions that are detrimental to the safety, and health of the residents. The owner must live in their home as their primary resident, meet income guidelines and reside within the City of Parkersburg corporation limits.

Eligible repairs include but are not limited to the following:

  • Faulty roofs: Serious roof problems due to wind, tree damage, fire, etc that threatens the safety or health of the residents.
  • Heating system in winter:( October,1st to May, 15th ) A homeowners heating system breaks down and requires repair or replacement.
  • Air conditioning in summer: ( May 16th to September, 30th ) with a written letter from a licensed physician stating that air conditioning is medically required.
  • Electrical problem: A inadequate electrical problem that creates either a fire or safety hazard.
  • Plumbing problems: The plumbing system in the home needs immediate repair to avoid serious water damage to the structure, or a water utility must be replaced on the home in order to maintain a clean, safe source of water.

Eligibility Requirements

The house must be a single-family dwelling located within the city limits of Parkersburg, and be owner occupied. Eligible participants must be at or below 60% of the area median income. Both income, and assets will be verified in most cases before an emergency home repair project will be started. The total household income is a combined income of every person living in the home, and cannot exceed the following:

2018 Income Guidelines

Number of persons in household  – Maximum gross income

1 – $22,500
2 – $25,680
3 – $28,920
4 – $32,100
5 – $34,680
6 – $37,260
7 – $39,840
8 – $42,420

Income guidelines subject to change annually per U.S. Department of Housing and Urban Development. Last Updated: 6/1/2018.

Ineligible repairs include but are not limited to the following:

  • Any repairs of a cosmetic nature.
  • Any repairs to storage buildings, garages, or any other structure not attached to the living unit.
  • Any general maintenance such as changing furnace filters, service calls for any repair technician.
  • Minor plumbing repairs such as leaking faucets, running toilet tank, water or gas leaking due to a loose connection, clogged sink or bathtub drain line, etc.
  • Any physical activities such as removal of trash and debris, landscaping of any kind, grass cutting, painting, etc.

Basic criteria of the Emergency Home Repair Program

The program is designed to assist low and very low income homeowners (as defined by the U.S Department of HUD) on an emergency repair for their household on a first-come, first-serve, basis. Assistance will be provided in the form of a grant. Participants will not have to repay any portion of the grant. Once an emergency is discovered by the homeowner, the homeowner must complete the application form and turn it into the City of Parkersburg Development Department with documentation of income ( pay stub, w-2, etc.) During the time the Development Department is determining income eligibility, the Housing Inspector will assess damages, determine if repairs are eligible and start addressing the repair procedures according to the situation. Under no circumstance will Emergency repair assistance be provided if the housing inspector determines that the repairs needed are due to the homeowners negligence, failure to perform routine maintenance, or deficient service by an unlicensed person. All determinations of eligibility are left to the discretion of the Housing Inspector.

You may download an Emergency Home Repair Application here.

For more information on the Emergency Repair Program, call 304.424.8452 or email ryan.barber@parkersburgwv.gov.

Minor Home Repair

For more information on the Minor Home Repair Program, call 304.424.8418 or email ryan.barber@parkersburgwv.gov.

An earned grant of up to $15,000 is available to home-owners to assist with a minor repair. For more information, contact Ryan Barber, Development Projects Administrator at 304.424.8452.

2018 Income Guidelines

Number of persons in household  – Maximum gross income

1 – $22,500
2 – $25,680
3 – $28,920
4 – $32,100
5 – $34,680
6 – $37,260
7 – $39,840
8 – $42,420

Income guidelines subject to change annually per U.S. Department of Housing and Urban Development. Last Updated: 6/1/2018.

Click here to get the Minor Home Repair Program Application.

Neighborhood Stabilization Program

In 2009, the City of Parkersburg as awarded a $1.35 million from the WV Housing Fund to build affordable housing in the community. Local officials concentrated efforts in an economically depressed neighborhood adjacent to downtown Parkersburg. The goal was to make decent, affordable housing available to low-income residents, as well as encourage private investment in the community. Six single-family homes were constructed, and the last of those homes was sold in 2014.

Although it’s too early to tell statistically, there are indications that the City’s investment is having a positive impact on the neighborhood. Future funds permitting, the City will seek to build more single-family, town-home and multi-family housing units in this area.

Fair Housing Act

The Fair Housing Act prohibits discrimination in the sale, rental and financing of housing based on race, color, religion, sex, national origin, disability or on familial status (presence of children under the age of 18, and pregnant women).

The US Department of Housing and Urban Development website – www.hud.gov – has a multitude of fair housing information, including free housing downloads. A good education in fair housing starts at the HUD website, with information ranging from government regulations to guidance on fair housing activities.

For Realtors: The National Association of Realtors has a great “Field Guide to Fair Housing” online at http://www.realtor.org/libweb.nsf/pages/fg705. This site includes fair housing news, articles and information especially for realtors. For instance, find a list of advertising phrases that should and shouldn’t be use, or learn how to identify discrimination in the sale of real estate.

Housing Discrimination Hotline

If you feel your fair housing rights have been violated, report it to the National Housing Discrimination Hotline at 1-800-669-9777 (Voice) or 1-800-927-9275 (TTY). You may also contact the below agencies and individuals:

City of Parkersburg: 304-424-8418
WV HUD Office: Carole Boster, 304-347-7000, ext. 106
WV Human Rights Commission: 1-888-676-5546, wvhrc@wvdhhr.org

Analysis to the Impediments of Fair Housing Choice

The Analysis of Impediments to Fair Housing Choice (AI) is a requirement for all entitlement cities. The United Sates Department of Housing and Urban Development (HUD) regulations stipulate that the AI be updated every five years.

In July of 2007, the City of Parkersburg and the City of Vienna funded the study and findings of an AI for Wood County. The AI analyzes the following issues:

    • Demographic data including population changes, ethnic makeup and income
    • Fair Housing complaints and issues
    • Public and private activities that may impede Fair Housing choice in Wood County
    • Current public and private fair housing programs and activities.
    • Conclusions and recommendations to further fair housing choice in Wood County.

Review the entire AI here.

Celebrate Fair Housing Month!

April is Fair Housing Month

April is Fair Housing Month. April 2016 marks the 48th anniversary of the Fair Housing Act, which protects people from discrimination based on race, color religion, gender, disability, familial status and national origin. Fair Housing Month serves as a great time to not only further access to housing opportunities, but also reminds Americans that fair housing is NOT an option: It’s the law!