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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.

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Program Requirements

  • 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)
Household Size 1 2 3 4 5 6 7 8
Total Annual Household Income $66,500 $76,000 $85,500 $94,950 $102,550 $110,150 $117,750 $125,350

Income Limits are provided by the California Department of Housing and Community Development (HCD) and are subject to change without notice…

Program 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.
  • Participants will be chosen through a random lottery system.

Required Application Documents

  • 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.
Assets and ID
  • 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.
Miscellaneous Documents
  • VA loan - DD214.
  • Child support order.
  • Proof of fire, flood (if applicable), and title insurance.
  • Photos of roof showing the damage (submit with the pre-application).

Application Process

To start the process, fill out the Re-Roof Loan Program application. Once the application period ends on February 24th, 2020, City Staff will conduct a random lottery of the qualified applicants to decide who receives the loan. After the ten program participants have been chosen, City Staff will request a full application packet with relevant supporting documents for loan underwriting. Please return completed applications to:

Timothy Throne
Program Specialist
(714) 741-5144