[et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_fullwidth_slider admin_label=”Top-Header” _builder_version=”4.16″ custom_padding=”|||” custom_padding_tablet=”|||” custom_padding_phone=”|||” box_shadow_style=”preset6″ box_shadow_blur=”10px” box_shadow_color=”rgba(0,0,0,0.1)” remove_inner_shadow=”off” hide_content_on_mobile=”off” hide_cta_on_mobile=”off” show_inner_shadow=”on” button_letter_spacing_hover=”0″ global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”on” button_letter_spacing__hover=”0″ button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][et_pb_slide heading=”About Us” use_bg_overlay=”on” use_text_overlay=”off” _builder_version=”4.16″ header_font=”|on|||” header_font_size=”40″ body_font=”||||” background_color=”#ffffff” background_image=”https:\/\/www.racinehousingloans.com\/wp-content\/uploads\/2017\/06\/City-of-Racine-Housing.jpg” button_icon_placement=”right” button_on_hover=”on” header_font_size_tablet=”40″ header_font_size_phone=”40″ global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” sticky_transition=”on”] [\/et_pb_slide][\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Title-About Us” _builder_version=”4.16″ text_font=”Roboto|on|||” text_text_color=”#007bbf” text_font_size=”35″ text_line_height=”1.2em” header_text_color=”#007bbf” header_font_size=”40px” background_size=”initial” background_position=”top_left” background_repeat=”repeat” module_alignment=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_3,1_3″ _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”2_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Text-About Us” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” module_alignment=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid” global_colors_info=”{}”]<\/p>\n
The City of Racine Housing Repair Program provides loans for repairs that address health and safety issues and energy-efficiency upgrades. The program has been funded and managed by the City of Racine Department of City Development since 1981.<\/p>\n
Housing renovation financing requests are approved by the City of Racine CDBG Advisory Board. Funding comes from multiple sources depending on the loan type, including the City\u2019s Housing Revolving Loan Fund and Community Development Block Grant (CDBG) funding.<\/p>\n
Most available funds originate from federal agencies. Federal and State funding regulations determine eligibility based on for financing depending on property type, household income, building condition, location within a flood zone, and other factors.<\/p>\n
Household income includes the income of the applicant, co-applicant(if applicable), and all people 18 years or older living in the home. Income must be verified before a loan can be approved. All financing is subject to program underwriting standards and at the discretion of the CDBG Advisory Board.<\/p>\n
The Fair Housing Act (FHA) and Equal Credit Opportunity Act (ECOA) protect consumers by prohibiting unfair and discriminatory practices. The City of Racine is committed to fair lending and is an equal housing lender.{\/gspeech}<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/www.racinehousingloans.com\/wp-content\/uploads\/2017\/06\/City-Hall-Racine-Housing-Dept.jpg” alt=”City Hall Racine, WI” title_text=”City Hall Racine, WI” align_tablet=”center” align_phone=”” align_last_edited=”on|desktop” admin_label=”Img-City Hall” _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_duration=”500ms” animation_intensity_slide=”10%” use_border_color=”off” border_color=”#ffffff” border_style=”solid” animation=”left” sticky=”off” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” admin_label=”section” _builder_version=”4.16″ custom_padding=”50px||50px|” custom_padding_tablet=”50px|0|50px|0″ custom_padding_phone=”” transparent_background=”off” padding_mobile=”off” global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Title- Client Testimonials” _builder_version=”4.16″ text_font=”Roboto|on|||” text_text_color=”#007bbf” text_font_size=”40″ text_line_height=”1.2em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” module_alignment=”left” use_border_color=”off” border_color=”#ffffff” border_style=”solid” global_colors_info=”{}”]<\/p>\n
Client Testimonials<\/p>\n
[\/et_pb_text][et_pb_testimonial admin_label=”Testimonial-Dena Z.” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”justified” border_style=”solid” global_colors_info=”{}”]All the neighbors stopped me outside to tell me how good my roof looks now.<\/em> I am very lucky to have found the Home Improvement Program offered by the City’s Neighborhood Services Department. I own a 100+ year old house that was in need of some major work and I was stressing about how to pay for it all. Although it was a long process of paperwork and meetings, ultimately I was able to qualify for it and the work they did has made a huge difference in the appearance and value of my home. I also feel safe knowing the lead has been removed from my house and when it’s pouring rain I no longer have to worry about my roof leaking. The contractors were respectful and punctual and helped me through every step. I would recommend this program to anyone who needs work done to their home and needs some help making it happen. It takes dedication and time but it is totally worth it!<\/p>\n [\/et_pb_testimonial][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” _builder_version=”4.16″ background_color=”#007bbf” custom_padding=”0px||0px|” custom_padding_tablet=”50px|0|50px|0″ custom_padding_phone=”” transparent_background=”off” padding_mobile=”off” global_colors_info=”{}”][et_pb_row column_structure=”3_4,1_4″ _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”3_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”|on|||” text_font_size=”32″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” background_layout=”dark” module_alignment=”left” custom_margin=”10px||0px|” use_border_color=”off” border_color=”#ffffff” border_style=”solid” global_colors_info=”{}”]City of Racine Housing Repair Loan Program About Us The City of Racine Housing Repair Program provides loans for repairs that address health and safety issues and energy-efficiency upgrades. The program has been funded and managed by the City of Racine Department of City Development since 1981. Housing renovation financing requests are approved by the City of Racine CDBG Advisory Board. Funding […]<\/p>\n","protected":false},"author":3,"featured_media":685,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"yoast_head":"\n
\n[\/et_pb_testimonial][et_pb_testimonial admin_label=”Testimonial-John A.” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”justified” border_style=”solid” global_colors_info=”{}”]It was easy working with the city staff. They were always helpful.<\/em>
\n[\/et_pb_testimonial][et_pb_testimonial admin_label=”Testimonial-Clair K.” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”justified” border_style=”solid” global_colors_info=”{}”]<\/p>\n
\n[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"