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Vol. 36, No. 11
April ril 2023
www.seniorlifenewspapers.com
St. Joseph Ed Edition dit Reaching South Bend And Surrounding Counties
Habitat for Humanity’s Aging in Place
Helping %\ 3+2(%( 087+$57 (GLWRU
seniors stay in their homes
The goal of Habitat for Humanity’s Aging in Place program is to help seniors over the age of 60 in St. Joseph County continue to live in their own homes and community safely, independently and comfortably. The Aging in Place program works in collaboration with several community partners, who focus on serving adults over the age of 60. Since 2017, the program has helped over 70 families with exterior and interior repairs. In 2023, Habitat for Humanity will only be working on roof repairs and replacements. Projects will be completed based on available funding. Ric Oswald of Habitat for Humanity said projects are accepted based on available funding and eligibility for initial qualification. “Without the funding, we can’t do the roof repairs,” said Oswald. “We also have some grants.” Some roofs are in such disrepair it creates water damage so it is very beneficial, he said. “We help the families to live safely,” he noted. All Aging in Place program clients must pay Habitat a $25 to $125 fee to cover the cost of recording the deed restriction with the St. Joseph County Recorder. “There may or may not be a deed restriction,” he said. In return, Habitat structures all project costs as a forgivable loan that will not have to be repaid unless the Aging in Place client sells or transfers ownership of their home within five years after the completion of their repair project. The forgivable loan amount is reduced by 20% each year and then completely dissolves after five years. Homeowners are eligible for Habitat’s Aging in Place program based on need and income. People may qualify for the Aging in Place program if they meet all of the following criteria: • Own and live in your own home full time. Rental homes are not eligible. • Are 60 years old or older, or someone who lives in your home is 60 or older. • Live in St. Joseph County.
• City and property taxes are current. • Mortgage is current. • Homeowner’s insurance is in place and current. • Plan to stay in your home. • Annual income combined of those 18 years and older living in the home is less than the maximum allowable income. To apply, visit www.hfhsjc.org/aging-in-place or call (574) 288-6967 and ask for Joanne Schloss at ext. 210.
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