The HRA has developed a citywide loan program to assist property owners with serious code or health safety violations. Properties considered for this program must be referred by City staff. The purpose of this program is to encourage problem properties to come into compliance with City requirements and to address emergency repairs. Homeowners must demonstrate an inability to borrow funds from a private lender. The Housing and Environmental Loan is deferred and does not require repayment until the recipient sells, transfers title or no longer lives in the home. The maximum deferred loan is $2,500. A separate application must be filled out for the Housing Rehabilitation Loan Program.