Rehabilitation

Good, safe, affordable housing is a precious community resource. In Lincoln, much of that resource is found in Lincoln's older, low- to moderate-income neighborhoods. While conscientious landlords have a significant positive impact in these neighborhoods, homeownership appears to be the key factor of well-maintained neighborhood housing. In keeping with that, UDD uses funds from several sources (federal, state, and local) for programs that help low- and moderate-income homeowners maintain and improve their homes.

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Home Improvement Loan Program

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Before After
  • Property can have 1-4 living units but the homeowner must live on the property
  • Property must be within the city limits
  • Household annual income cannot exceed 80% of Lincoln median income
  • 0% interest loans for up to 10 years, by participating lenders
  • For eligible repairs and improvements (call 402-441-7864 for more information)
  • Complete a pre-application (95K pdf) and return it to the Urban Development Department, 555 S. 10th St, Suite 205, Lincoln, NE 68508

Emergency Repair Loan Program

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Before After
  • For emergency repair, such as replacing furnaces, water heaters, dangerous wiring, etc.
  • For homeowners within the city limits
  • Homeowner must live on the property
  • 0% interest deferred payment loans
  • Income cannot exceed 50% of Lincoln median income

Direct / Deferred Loan Program

Before After
Before After
  • Available only to applicants whose HILP loan has been denied by the bank
  • Property can have 1-4 living units but the homeowner must live on the property
  • Property must be in low- and moderate-income (LMI) areas (see street index or map)
  • Annual income cannot exceed 80% of Lincoln median income
  • For eligible repairs and improvements — call 402-441-7864 for more information
  • Direct loans have a 0% interest rate and a minimum monthly payment of $50
  • Deferred loans also have a 0% interest rate, but your monthly payments are deferred for two years