Camden Home Improvement Program (CHIP) "Improving Homes, Improving Lives" CHIP Information Hotline: (856) 757-9422 www.CamdenCHIP.com (Si necesita esta información en español presioné aquí.)
***********************************************************PHASE 3 HAS OFFICIALLY BEGUN! IF YOU ARE SEEKING TO BE ADDED TO THE WAITLIST FOR A PHASE II NEIGHBORHOOD, PLEASE CLICK HERE ***********************************************************
What is CHIP?
The Camden Home Improvement Program (CHIP) provides housing rehabilitation assistance to Camden's homeowners. Thanks to the support of the Camden Economic Recovery Board, the NJ Department of Community Affairs and the City of Camden, CHIP offers forgivable loans of up to $20,000 to eligible Camden homeowners to fund essential repair and rehabilitation costs. Cooper's Ferry Development Association, (CFDA) and Scungio Borst & Associates (SBA) are managing the CHIP on behalf of the New Jersey Housing and Mortgage Finance Agency (NJHMFA), and in partnership with Camden Churches Organized for People (CCOP).
What Types of Improvements Does CHIP Cover?
The goal of CHIP is to give as many homeowners as possible the resources to make essential repairs, rather than give a few homeowners an 'extreme makeover'. Priority eligible repairs include:
- Life Safety improvements, which insure the ongoing safety of the occupants, such as fire, access, electrical, gas and plumbing. These repairs take priority.
- Building systems such as water, sewer, heating, ventilation, required for occupancy.
- Weatherization repairs designed to prevent future deterioration of your home, such as roofing, windows, doors and waterproofing.
- Exterior improvements to enhance the visual impact of the neighborhood.
Who is Eligible?
Determining if you are eligible to apply for CHIP is a two-step process.
First, make sure that your neighborhood is currently participating. The CHIP has now entered Phase III, which covers the US Census tracts of:
- Central Business District (6001)
- Central Waterfront (6005)
- Cooper Grant (6006)
- Fairview (6020)
- Lanning Square (6003)
- Morgan Village(6019)
If you still do not know what census tract your home is located, click the below link and enter your street address where indicated. The database will identify your census tract by number.
Please click on the map for a closer look at the eligible Camden neighborhoods.
Your neighborhood is eligible if that number is
6001, 6003, 6005, 6006, 6014, 6019 or 6020.
Besides being in an eligible Phase III project area, you must satisfy all of the following requirements:
CHIP Income Limits
- Be 18 years old or over;
- Own and occupy the home as your primary residence for at least the last three (3) years;
- Plan to stay in your home for a minimum of ten (10) years after receiving the loan;
- Be current on municipal taxes, CCMUA, and water bills on the home;
- Have a household income that is less than or equal to 80% of the median area income (see chart below.)
*2009 Council on Affordable Housing Regional Income Limit Guidelines for Camden County
Total Number of People in Household (including self) Max. Household Income (80% of Area Median*) 1 $ 43,568 or less 2 $ 49,792 or less 3 $ 56,016 or less 4 $ 62,240 or less 5 $ 67,219 or less 6 $ 72,198 or less 7 $ 77,178 or less 8 $ 82,157 or less
How Does the Loan Work?
CHIP loans for Phase II are forgivable over ten (10) years. This means that you don't have to pay anything back at all if you continue to own and live in your home for 10 years after receiving the loan. If you do sell, the amount of your loan will be reduced by 10% for every year you have lived the house since the repairs. If you sell your home within one year of the repairs, you will have to repay the loan in full (100%). If you sell within two years, you will owe 90% of the loan amount; if you sell within three years, you will owe 80%; if you sell within four years, you will owe 70%, and so forth.
How Do I Apply?
If you think you are eligible and you live in a Phase III neighborhood, you should submit an application. There are two steps to the application process, Part I and Part II. Part I is a basic form that determines your eligibility for the program.
CLICK HERE TO DOWNLOAD THE PART I CHIP APPLICATION FORM
(you will need Adobe Acrobat Reader to view this PDF. It can be downloaded free at www.adobe.com)
Please deliver completed Part I applications by mail or in-person to:
Cooper's Ferry Development Association
2 Riverside Drive, Suite #501
Camden, NJ 08102
Cooper's Ferry is located in One Port Center, immediately across from the Aquarium stop of the the RiverLine Light Rail in Camden. One Port Center is ADA-accessible
The Part I application deadline is Friday, June 12th, 2009.
After you submit Part I application, CHIP will determine if you are eligible and your name is then entered into a random lottery system*. If your name is selected, you can be contacted to begin Part II of the Application. This requires you to submit the following documents to verify all of the eligibility criteria: your driver's license or proof of reidence, social security card, deed, federal tax returns for past three years, CCMUA bills, water bills, property tax bills, mortgage statement, home insurance policy and all income documentation for household members ages 18 and over.
*There are a limited number of loans available for each neighborhood. If you are not initially selected for a loan, your name will be placed on a waiting list.
Camden Homeowners Are Singing the Praises of the CHIP Program!
"It gives me joy to see work being done in my home that I couldn't afford to do myself." -- Whitman Park resident
"We were very satisfied with all the work that everyone did, and we thank Cooper's Ferry for all that they did." -- Beideman resident
"You gave us the opportunity to improve our homes through a grant, where we wouldn't have been able to afford it otherwise! Thank you so much for the opportunity. . . I'm very happy and satisfied with the program and would refer other people. It made a HUGE difference!" -- Rosedale resident
"Some of the most important jobs were accomplished that I could not afford anytime in the near future. Thank you for treating me as if I were a paying client. No one made me feel as if the work was a charitable effort." -- Dudley resident
"The new windows, the doors, the new concrete curb, everything! Where do I begin? Great people, Great job, Perfect fit!" -- Rosedale resident
"This is an excellent program." -- Whitman Park resident
Please Attend a CHIP Information SessionThese Sessions are free & open to all residents seeking information about CHIP and their elibility for the program.
Lanning Square, Central Waterfront, CBD and Cooper Grant Neighborhoods
Tuesday, May 26, 2009: 7:00-8:00pm
New Mickle Baptist Church
416 South 4th Street
Camden, NJ 08103
Wednesday, May 27, 2009, 7:00-8:00pm
Parkside United Methodist Church
1420 Kaighns Ave
Camden, NJ 08103
Morgan Village and Fairview Neighborhoods
Thursday, May 28, 2009: 7:00-8:00pm
Woodland Ave Presbyterian Church
909 South 8th Street
Camden, NJ 08104
For more information,
please call the CHIP Hotline at (856) 757-9422
Camden Home Improvement Program PartnersCHIP is made possible with generous support from the following organizations
- Camden Churches Organized for People
- Camden Community Development Association
- City of Camden
- Cooper's Ferry Development Association
- NJ Department of Community Affairs
- NJ Economic Development Authority/Economic Recovery Board for Camden
- NJ Housing and Mortgage Finance Agency
- Scungio Borst and Associates