Waiting List Notice (Dec. 19, 2023):

As of December 19, 2023, some of our programs have a wait-list. This means there may be a delay before we can start your project. We appreciate your patience and are working hard to assist everyone. Call us directly at 704-216-2738 for assistance.

Homeowner Rehabilitation & Repair Programs

Contact Us:

(704)-216-2738

West End Business & Community Center
1400 W. Bank Street
Salisbury, NC 28144

Monday — Friday
8:00am-5:00pm

Get Help With Home Repairs

At Salisbury Community Development, we understand that every homeowner's situation is different. We have programs to help with common household issues such as leaking roofs, plumbing, electrical, heating, flooring, and much more. Our goal is to make it easy for you to get the help you need, ensuring your home remains safe and comfortable.

How Our Projects Work

If you are approved to receive help through our programs, we take care of managing the entire rehabilitation or repair project, ensuring it’s handled smoothly from start to finish. We take care of the details, so you can focus on enjoying the benefits of a safer and more comfortable home. Here’s a detailed breakdown of how our projects work:

  • Before any work begins, our team conducts a thorough assessment of your home to identify the specific repair or rehabilitation needs. This initial inspection helps us understand the scope of the project.

  • Based on the inspection findings, we work closely with you to outline a comprehensive scope of work. This document details the specific repairs or improvements that will be undertaken as part of the project.

  • In some cases, especially when dealing with older homes, environmental testing may be necessary to check for hazards like lead or asbestos. We ensure that your home is safe for both our contractors and your family.

  • We solicit bids from qualified general contractors who are experienced in the type of work needed for your project. This competitive bidding process helps ensure that you receive quality services at the best possible price.

  • Our team carefully reviews the bids and selects the most suitable contractor for your project. We consider factors such as qualifications, experience, and pricing to make an informed choice.

  • We hold a pre-construction conference before the start of any work. At this conference, clients have the opportunity to review and ask questions about loan documents and the terms and conditions of financial assistance, including the deferred forgivable loan structure and repayment terms. Our team is present to address any questions or concerns you may have.

    The pre-construction conference also provides an opportunity for our clients to discuss and clarify the scope of work outlined for their project. This ensures that both parties are on the same page regarding the specific repairs or improvements to be made to your home. Finally, we walk through topics including project timeline, program procedures, responsibilities, and finalizing project details.

  • Once a contractor is selected, the construction phase begins. Our team closely monitors the progress to ensure that the work is completed to the highest standards and in accordance with the agreed-upon scope.

  • After the construction is complete, we conduct a final inspection to verify that all repairs and improvements meet the required standards and are in compliance with local regulations. We also conduct periodic interim inspections during the construction phase to ensure compliance with project specifications.

  • In addition to the above steps, we handle various project management tasks behind the scenes. This includes managing loan documents, establishing project pricing and budgets, processing payments to contractors, issuing warranties for completed work, verifying contractor qualifications, ensuring all necessary licenses and permits are obtained, and confirming insurance coverage to protect all parties involved.

    If you have any questions or concerns throughout the project, our team is here to assist you every step of the way. Your satisfaction and peace of mind are our top priorities.

Connect With Our Team

Need assistance? Talk to our team. We can help you find the right program based on your situation. Factors like your income and address affect which programs you qualify for. Our staff is trained and certified by HUD, so they can guide you through the available programs, answer your questions, and connect you with the services you need.

Call our professionally trained staff at
704-216-2738 to see if you qualify.

Homeowners Often Apply For:

  • Roofs, Gutters & Downspouts

  • Handicap & Accessibility Modifications

  • Plumbing

  • Electrical

  • HVAC

  • Flooring, Structural & Foundations

  • Windows & Doors

  • Insulation

  • Pest Control & Damage Repairs

  • Environmental Remediation (Mold, Asbestos, Lead)

How We Help Financially

When you receive help from us, it’s similar to borrowing money to fix your home, but with an important difference. In most cases, you won’t need to repay any money, as long as you don’t sell your home within a certain time, which we call the “loan period”.

Here’s how it works: if you sell your home before the loan period is up, you might have to pay back some of the money. However, if you stay in your home for that entire time, you won’t have to repay anything.

Now, you might wonder how this is possible. It's because the funds we provide come from federal, state, and local government sources. These programs are designed to assist homeowners in need, not to make a profit from loan payments. They are closely monitored and regulated by law and government agencies to ensure they help homeowners without causing financial stress.

So, when you receive assistance from us, you can focus on improving your home without worrying about hefty repayments.

Our Other Services:

  • Home Rehabilitation & Repair Programs

    We have programs to help you with roofs and gutters, plumbing, electrical, HVAC, handicap and accessibility modifications, structural, pest control, and more.

  • Homeownership Assistance

    We offer homeownership assistance, including down-payment assistance to first-time homebuyers in Salisbury and Rowan County.

  • Terms of Financial Assistance

    Learn about deferred loans, terms and conditions, and legal and government oversight of our programs.

  • How to Apply

    Our trained staff will help you find the right program based on your individual needs and situation.