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I 11-r ORANGECOUNTY <br /> ) HOUSING DEPARTMENT <br /> 50 % to 80 % of County Median Income 4 <br /> Definitions under ESFRLP are : <br /> • Elderly: An individual aged 62 or older . <br /> • Person with a disability: A person who has a physical , mental , or developmental disability that <br /> greatly limits one or more major life activities, has a document of such impairment, or is <br /> regarded as having such impairment . <br /> • Head of household: The person or persons who own ( s ) the house . <br /> • Household member. Any individual who is an occupant ( defined below ) of the unit to be <br /> rehabilitated shall be considered a " household member " ( the number of household members <br /> will be used to determine household size and all household members are subject to income <br /> verification ) . <br /> • Occupant: An occupant is defined as any immediate family member ( mother, father, spouse , <br /> son/daughter of the head of household ) who has resided in the dwelling unit for at least three <br /> ( 3 ) months prior to the submission of the family ' s application . <br /> • Veteran : A person who is a military veteran , is defined as one who served in the active military, <br /> naval , or air service ( i . e . , Army, Navy, Air Force , Marine Corps, and Coast Guards as a <br /> commissioned officer of the Public Health Service ; or as a commissioned officer of the National <br /> • Oceanic and Atmospheric Administration or its predecessors ) , and who was discharged or <br /> released there from under conditions other than dishonorable . Provide DD - 214 form to <br /> demonstrate . <br /> • Emergency: A situation in which a household member has an immediate threat of being evicted <br /> or removed from a home due to health or safety issues within a timeframe that the program <br /> can complete a repair to stop eviction or removal . These applications will be received at any <br /> time during the funding cycle and elevated based on the ability of the program to complete the <br /> work in a timely manner that meets the goal of assisting homeowners to remain in their home . <br /> This may be documented with a doctor ' s letter or eviction notice . <br /> Recipients of assistance under ESFRLP will be chosen by the above criteria without regard to race , color, <br /> religion , national origin , sex, familial status, and disability . <br /> What are the terms of assistance under ESFRLP ? <br /> The form of ESFRLP assistance is a 0 % interest, forgivable loan covering the hard costs associated with <br /> the rehabilitation of the home and a grant for the soft costs . These will be two separate documents or <br /> sets of documents . <br /> The loan : NCHFA will create loan documents for the homeowner ( s ) including a Promissory Note and <br /> Deed of Trust covering hard costs for the rehabilitation in an amount not to exceed $ 30, 000 . This loan <br /> covering the hard costs remains 0 % interest and -forgivable at $ 5 , 000 per year for as long as the owner <br /> resides in the home or until the balance is reduced to $ 0 . The term of the loan is dependent upon the <br /> loan amount and the number of years it takes to bring the balance of the loan to $ 0 when forgiven at <br />