Rebuilding Together is the nation’s leading nonprofit organization working to preserve affordable homeownership and revitalize neighborhoods by providing home repair and renovation services free of charge to those in need. They strive to ensure low income homeowners are safe, warm, and dry. To find out more about the local Rebuilding Together, please visit their website: www.rebuildingtogether-swi.org.
The O’Fallon Area Habitat for Humanity is a local chapter under the Lewis & Clark regional affiliate of Habitat for Humanity International. They are a nonprofit, ecumenical Christian ministry founded on the conviction that every man, woman and child should have a decent, safe and affordable place to live. For more information on the O’Fallon Area Habitat for Humanity, please visit their website: www.ofallonhabitat.org.
Illinois State School Interactive Report Card – iirc.niu.edu
This website is the premier website for test results and other school improvement information for Illinois schools.
St. Clair County Intergovernmental Grants Department
Community Development Division | Homebuyer Assistance Program
The grants department provides funds up to $5,000 for down payment and closing costs to eligible clients purchasing homes in participating St. Clair County communities. Home buyer counseling is required. Total gross household incomes cannot exceed 80% of area median. Proof of gross household income and counseling is required to qualify. To learn more about this program, please call (618) 825-3226 or send an email to email@example.com.
USDA Rural Development
Rural Development is committed to helping improve the economy and quality of life in all of rural America. Rural Development’s Housing Programs provide safe and affordable housing to qualified borrowers in rural areas.
Guaranteed loans serve moderate income homebuyers. Loans made by a bank are backed the the Government. Interest rates are competitive, and no down payment is required. Borrower pays normal closing costs, but may be able to include reasonable closing costs into the amount financed. Approved Lenders underwrite these loans. Contact any Development Approved Lender, or Rural Development at 866-481-9575.
Direct Loans serve lower income homebuyers. No down payment is required, and the maximum loan limit varies by county. Up to 1,800 square feet of living area above grade is permitted, with exceptions for large families or special needs. Payments may be subsidized, with possible subsidy recapture upon sale or refinancing if the home appreciates in value. Applicants must have repayment ability and acceptable credit.
For more information on these programs, please visit www.rurdev.usda.gov/IL_HousingPrograms