Re-Roof Loan Program

Is your roof damaged or leaking? The City of Garden Grove wants to help by offering the Re-Roof Loan Program. Qualifying families can apply for up to $20,000 of assistance to replace their substandard roof.

Eligibility

• Roof must be substandard and in need of repair/replacement as determined by a City Building Official.
• Property must be located in the city of Garden Grove and be a single-family home.
• Applicant must own and occupy the home.
• Applicant’s monthly debt to income ratio needs to be below 45%.
• Must income-qualify (see chart below)

Program Flyer

Loan Details

• 20 Year Deferred Loan.
• Up to $20,000.
• Accrues 3% annual interest for first 5 years of the loan.
• Interest is forgiven and set at 0% after the 5th year.
• Homeowner must maintain fire, flood, and title insurance for the life of the loan.
• Loan is due and payable if the resident: sells, transfers, forecloses, or defaults on the home.

Required Application Documents (if applicable)

• Most Current W2's for 2 years.
• Most Current 30 days of pay stubs, must be consecutive.
• 2 years Personal Tax Returns (all pages, these are your 1040's).
• 2 years Business Tax Returns (if you are self employed or own a business).
• Most current benefit award letter (social security, pension, etc.) if you are retired.
• Most current retirement statement.

• Most current 6 months bank statements (all pages) - review your deposit, if you have $500.00 and above and it's not payroll, please provide an explanation.
• 401K, IRA, CD's, 203B's, etc., 2 months of the most current statements, or if quarterly most current quarter (all pages).
• Terms of withdrawal (if using money from retirement account such as 401K).
• Copy of drivers' license or any government issued ID.
• Copy of resident alien and social security card if not US citizen.

• VA loan - DD214.
• Child support order.
• Proof of fire, flood (if applicable), and title insurance.
• Most recent mortgage statement.
• Photos of roof showing the damage (submit with the pre-application).

Application Process

To start the process, complete the Re-Roof Loan Program application by clicking on the button below. To be considered for the loan, applicants must submit the completed application and the applicable verification documents listed above to Timothy Throne at timothyt@ggcity.org. Applications that are submitted with the verification documents will be date and time stamped and will be reviewed on a first come, first served basis until funding has been fully expended.