Homeowners struggling with mortgage payments can call Iowa Mortgage Help at 1-877-622-4866 or visit their website at iowamortgagehelp.com.
INRCOG provides a variety of housing-related services, including technical and planning assistance with housing initiatives as well as grant writing and administration of housing program grants. In addition, INRCOG provides staff to the Iowa Northland Regional Housing Council (INRHC).
INRCOG's staff researches and remains informed about housing programs available at the federal, state and local levels and gives assistance to communities and counties regarding the most appropriate and feasible grant and loan opportunities available. INRCOG can prepare grant applications and administer the grant, if necessary. Through this process, INRCOG can assist communities in planning for the future. This may require a written plan of action or assistance identifying the housing needs and solutions to meet those needs.
For a comprehensive list of State and Federal programs, and Private and Social Services agencies that provide additional resources in resolving housing issues, please click here.
you are a homeowner interested in applying for housing rehabilitation,
you must own your home, your household income cannot exceed 80 percent
(80%) of the area median income for the county you live in, and your
home cannot be located in the 100-year floodplain. For additional information,
please view some of the Common
Questions Regarding the Housing Rehabilitation Program, or contact
the INRCOG Housing Department to determine if your community is participating
in an Owner-Occupied Housing Rehabilitation Program.
Northland Regional Housing Council (INRHC)
The INRHC was certified as the Local Housing Trust Fund for the INRCOG region in 2003. In the past, funding has been received by the Iowa Finance Authority to initiate an acquisition/demolition program to eliminate dilapidated housing in cities in the region and for multi-family special population housing construction programs to assist organizations with construction projects that serve specific populations, including very low-income persons. Finally, the Trust Fund dollars have been combined with the INRHC Revolving Loan Fund to provide combination grants/loans to eligible persons purchasing a new home in Grundy Center's Countryview Subdivision.
with an Iowa Finance Authority (IFA) Helping Iowa's Rural Economic (HIRE)
grant, and continued with repayment of loans made through several programs,
an INRHC Revolving Loan Fund finances such projects as
the construction of speculative homes, homebuyer assistance, and infrastructure
improvements for an affordable housing subdivision.
Plans can also be developed to assist communities that have utilized Tax Increment Financing and are required to use a proportion of the taxes generated to assist low-to-moderate income households.
In addition, INRCOG has prepared a Regional Comprehensive Housing Plan to compare and analyze housing in the INRCOG region. The INRHC also uses the Plan to assist in the prioritization of uses for its revolving loan fund.
Click on pictures for information
on INRCOG projects