Owner-Occupant Rehab Program

What is the Owner-Occupant Rehab Program?

The City of Olympia Housing Rehabilitation Program helps low- and moderate-income homeowners take care of home maintenance needs. The loans are provided to repair fire, life, and safety hazards in the homes and to conserve and improve older residential neighborhoods.

Who is Eligible?

  • City of Olympia Residents.
  • Households with incomes at or below 80% of median incomes as established by the U.S. Department of Housing and Urban Development. For current levels, please contact the City of Olympia Housing Rehabilitation Program.
  • Households with assets of less than $20,000.
  • Houses that can be brought up to housing quality standards within the budget.

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How does the Loan and Rehab Process Work?

  • Application submittal
  • Loan Application and Release Authorizations
  • Determination of eligibility
  • Eligibility Income 
  • Placement on the waiting list
  • Housing inspection and review
  • Work list compiled and reviewed with owner
  • Owner solicitation for bids
  • Contractor selection
  • Contract and loan papers signed
  • Rehabilitation work on house
  • Final inspection
  • A beautiful home to be proud of

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Type of Eligible Work


Exterior Painting
Fire/Life Safety
Heating Systems     
Interior Painting
Roof & Gutters
Other Code Deficiencies





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Loan Information

  • Loan Application and Release Authorizations
  • Low interest
  • No monthly payments for lowest-income applicants
  • Small, low-interest payments for moderate-income applicants
  • Repayment deferred until residence ownership changes
  • Maximum loan amount is $5,000 for a single-item repair, dependent on home equity and other federal regulatory issues

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The Fair Housing Law

This law provides protection against discrimination in housing based on race, color, religion, ancestry, national origin, gender or familial status, marital status, sexual orientation, gender identity, or the perception thereof. In addition, the law provides protection against discrimination based on the presence of any sensory, mental, or physical disability and the use of a trained guide dog or service animal by a disabled person. If you feel you have been discriminated against, or if you have any questions about the Fair Housing Law, use the link above to reveiw the agency contact list. back to top