Frequently Asked Questions

In what order will the applications be processed?
Applications will be accepted on a first-come, first-qualified basis. The City will maintain a written summary of the order in which applications are received and approved.

Approximately how long will it take to review my application?
The application and verification process is expected to take up to 30 days or more.

Who will contact me after I apply?
A BBHH staff member will help you through the application and verification process. You will also be required to meet with a BBHH home advocate and construction administrator.

Who will evaluate my property and determine how it can be made more resilient?
A BBHH inspector will visit and assess your home or property for eligible construction activities. You will receive a summary of the proposed activities, and if you decide to proceed, the same inspector will request bids for the project from local sub-contractors.

My income is very low. Will you come to my house first?
No. This is a first-come, first-qualified grant. Once your application is approved and verified we will then schedule an inspection.

Do I have to implement all of the recommended improvements?
Generally, yes. Completing all of the recommended construction activities will give your home or property the best chance for flood resilience. If the property owner has objections, those objections will be handled on a case-by-case basis and worked out in a way that satisfies the grant requirements.

Who will choose the contractor?
The construction administrator will choose the lowest responsible bid that meets production schedule requirements.

How soon can I expect construction to begin after the contract has been awarded?
The construction schedule will be dependent on the scope of work, readiness of the unit, the contractor’s schedule, weather, and overall grant production milestones.

Will I have to pay anything out of pocket for construction?

How much money can I expect might be spent on my property?
There is no minimum or maximum amount to be spent per unit. Please note, some properties will be more vulnerable than others and will therefore require more work. The grant has budgeted an average of $15,067 to be spent per unit.
What happens if I’m concerned about the contractor’s quality of work?
If you are unhappy with the quality of work being performed at your home or property, we ask that you contact your construction administrator so we may address your concerns.

What is a forgivable loan?
Forgivable loans require borrowers to fulfill certain responsibilities and adhere to certain restrictions if the money they owe is going to be forgiven. Failure to meet the terms of the forgivable loan contract will mean the borrower will have to repay what he/she borrowed.

For rental properties, why is eligibility based on the income of the tenant and not the property owner?
It is a HUD objective to serve occupants within the income guidelines.

Is there a limit on the number of rental properties I can put through the program? 

Do I have to rent to low income tenants for 5 years?

Yes. It is a requirement of the program and forgivable loan contract. Failure to do so will mean you will have to repay what you borrowed.

If a family member lives at my house and do not charge them rent, which application do I fill out?
You will fill out the rental owner application and your family member will fill out the tenant application. You will need to have a valid rental license prior to application approval. 

Will you provide new equipment, such as a furnace, if it was already replaced after the last flood? 
No. We will not provide new equipment or appliances if they've already been replaced. However, we may raise them off the floor so they are less likely to be damaged from future flash flooding.

I've had up to six feet of water in my basement and my furnace cannot be raised any higher. What will you do?
We will look at options for relocating the appliance.

Will my taxes increase?
In most cases, we do not anticipate maintenance items to create a higher assessed value. However, you can apply for an Urban Revitalization Abatement after the improvements are made to your property. This will keep your taxes the same for a period of 10 years.

Will you address the rodent problem in my neighborhood?
Rodents find their way into homes through small openings, even as small as the size of a dime. If you have cracks or damage to your foundation this is one place rodents may be entering the property. Repairing the foundation will help prevent rodents from entering your home.