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4.2 Support housing programs that fund housing renovations and improvements for single family homes with grants and low or deferred interest rote loans. Those programs include but are not limited to: • f�R�f OwnerUccupiedLoanPropram- low or deferred interest loan up to $10,000 or not more than 50 °/R of home improvements. The Program is intended for use where gaps exist within other loan programs and can be used for demolition if certain criteria are met. The loans are serviced by the Housing Resource Center which is contracted by the HRA to provide more flexibility and ease to residents. Identified as a high priority of the HRA • Encourage the implementation of a Hausin� Maintenance Code to help sustain housing value and provide the needed tools to existing code enforcement staff to address issues of housing decay and decline in appeal and value. Identified as a high priority of the HRA • HRA �amilY Ownership Loan Pro�ram - low interest loan up to $25,000 for home improvements. The Program targets families with a household of two or more and at least one member under the age of 16. I n addition, the household must have income at o r below 120% of the current median household income. The Program was created in 2005 to support and encourage new families to remain and move to Roseville and make the necessary housing improvements needed for a family thus strengthening neighborhood balanceand area schools. Identified as a high priority of the HRA • HRR Hausinq Rerlesign Proaram - provide a grant for 50% of th e design fees up t o $6,000 for homeowners renovating their 1950's - 1970's style homes to provide a more adaptable style for today's families. The program targets families with incomes at or below 120% of the current median household income. I n addition, the current assessed market value of the home must be under a certain limit (2005 - $218,000) which is adjusted annually to account fo r general housing appreciation. The grant encourages the use of good design techniques. . RamseyCount�Deferred RehabProaram- provide income qualifying deferred loans up to $15,000 for necessary home improvements. RamseyCoun�`y�'nergYConservationPro�rarrr- provide income qualifying deferred loan up to $5,000 fo r home energy improvements. ■ State EnerAVlmprovemenfiLoan- provide loans up to $8,000 at 8% interest for energy improvements. • State Communi�;�Fix Up Proaram - provides low interest (5-6%) second mortgages fo r home improvements up to $35,000 and $25,000 depending upon income. Housing P�at� — 2005 Page 9 �tpsevi�ie HRA