Senior Home Repair Program (SHRP)

October 28, 2022

The Senior Home Repair Program (SHRP) is a property rehabilitation program created through Mayor London Breed's Dream Keeper Initiative for improving the lives of under resourced communities.

SHRP provides assistance up to  $50,000 in the form of a forgivable loan, to low-to-moderate-income senior/disabled homeowners residing in historically distressed and underserved neighborhoods in San Francisco, with roof and HVAC repairs as well as accessibility improvements.

About Applying for SHRP

To apply for the Senior Home Repair Program, please contact our partner agency Rebuilding Together San Francisco by phone at (415) 905-1611 or email at dk_shrp@rtsf.org.

Selection

Due to limited funding, a priority point system has been established for giving preferences to senior residents in underserved communities. 

Priority Considerations

  1. Years of Residency
  2. Low-income Households and Very Low-income Households
  3. Households Displaced in Western Addition or Hunters Point by SFRA
  4. Veterans
  5. Persons with Disabilities

For more information regarding the priority point system, preferences and requirements, please see the SHRP Program Overview

Senior Home Repair Program (SHRP) Details

Maximum Loan Amount: $50,000. The qualifying loan amount will be the minimum amount necessary, based on the borrower's financial need to make repairs.

Loan Terms:

The SHRP loan balance will be forgiven entirely 3 years after completion of improvements if borrower meets the following requirements:

  • Own and occupy the property during the 3-year period.
  • Complete Estate Planning Education and Counseling  offered at no cost by MOHCD Grantee Partner prior to loan forgiveness at no cost to the homeowner. This may be waived if the homeowner has a complete estate plan.

Applicant Eligibility

  • Own and occupy the property as their primary residence
  • At least one Household member must be 55 years of age or older and/or disabled
  • Total Household income does not exceed 120% of the Area Median Income (AMI)

Household Size

120% AMI in 2021

1 person

$111,900

2 persons

$127,850

3 persons

$143,900

4 persons

$159,850

View MOHCD's AMI Chart for larger households.

Property Eligibility

  1. Property must be located in the neighborhoods of Bayview Hunters Point, Western Addition, Hayes Valley, and Oceanview Merced Ingleside of the City and County of San Francisco for the following census tracts: 155, 157.02, 158.01, 158.02, 159, 160, 161.01, 161.02, 162, 163, 168.01, 168.02, 201.01, 202.02, 230.01, 230.03, 231.02, 231.03, 232, 233, 234, 251, 255.01, 257.01, 257.02, 261, 262.01, 262.02, 311, 312.01, 312.02, 313.01, 313.02, 314.01, 314.02, 610, 612, 9806, and 9809.
    • Use Geocode map and enter the property address to view what Census Tract the property is located. 
  2. Must be a residential property of 1- 4 units and at least 1 unit must be owner-occupied

For a complete list of all applicant and property eligibility requirements, please see the SHRP Program Overview

Eligible Repairs

  1. Roof Replacement or Repair
    • stabilization, repari or replacement of damaged or leaking roof and roof vents and gutters
  2. HVAC Replacement or Repair
    • repair or replacement of damaged HVAC system
  3. Accessibility Modifications
    • accessibility modifications needed to adjust physical barriers within a home for senios with mobility or other physical impairments

Eligible repair work under this program may be combined repairs up to the overall program maximum of $50,000. Eligible costs include the hard costs of the repairs and improvements, plus permits and fees associated with such improvements. Architectural and design services are an eligible cost, provided that it is necessary and appropriate to the work being done.

Estate Planning and Counseling

As part of the assets protection under the Mayor’s Dream Keeper Initiative, applicants will be offered to complete estate planning education and counseling at no cost, which includes:

A minimum of 90-minute workshop

  • covers key documents of estate planning, including living trust, will, financial power of attorney, and health care directive

A one-on-one counseling session

  • provides an opportunity for borrowers to ask questions specific to their situation

If requested by applicants, MOHCD Grantee Partner will assist with settin gup an estate plan and provide certain document preparation services charged on a scaling scale.

Application Process

The entire process may take up to ten (10) months after the application period opens. All times listed are approximate; the processing times can vary depending on many reasons including the applicant's priority ranking, additional information required to determine an applicant's eligibility, the type of repairs needed, and contractor's availability.

Application Timeline

Period

Time span

Action
required
from:

Application Deadline
Applicant will submit a
complete application

30 calendar days

Owner

Scoring/ Priority Ranking
MOHCD will determine scoring
based on priority points

30 calendar days

MOHCD

Pre-Approval
MOHCD will issue a
pre-approval letter

15 business days

MOHCD

Bid Submission
The applicant will work with
the Partner Agency staff to
obtain and submit (3) bids

30 calendar days

Owner/
Partner Agency

Final Approval
MOHCD will issue a
final approval letter

15 business days

MOHCD

Docs Signing/Loan Funding
Executed closing documents must be
notarized and MOHCD will
provide a Notice to Proceed

45 calendar days

Owner/
MOHCD

Rehab Period
Repairs shall take no
more than 90 days unless
otherwise approved by MOHCD

90 calendar days

Contractor

Project Closeout
Partner Agency will provide
MOHCD closeout report.
MOHCD will provide a
Project Completion Letter
to borrower with total finds
used and remaining loan balance.

15 calendar days

Partner Agency/
MOHCD

SHRP Forms

Senior Home Repair Program Application (PDF)

SHRP Program Overview (PDF)

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