Affected Properties Home Improvement Program

This program provides financial assistance and support to homeowners in need of making repairs or improvements to their property.

If you are eligible, the Affected Properties Home Improvement Program can help you renovate your property. We will also help you through the entire home improvement process alongside qualified, licensed, and professional contractors. 

The emphasis of this program will be on exterior repairs and replacements such as:

  • Windows 
  • Doors
  • Roofs
  • Gutters
  • Painting
  • Siding
  • Porches 
  • Driveways
  • Sidewalks

Any remaining funds may be available for electrical, plumbing, and mechanical system upgrades and repairs.


Forgivable and interest-free installment loans are available to eligible applicants. 

Forgivable Loans
Depending upon your income, you may be eligible to receive a $12,500 or $15,000  forgivable loan. The forgivable loan does not need to be repaid unless you sell your home or move within four years of the loan closing.       

Interest-Free Installment Loans
The interest-free installment loan is a 0% interest loan and requires a monthly payment.   Payment terms range from 5 to 20 years, depending on the amount of money needed to complete the repairs to your home.   To be eligible for either of these loans, you must meet the income limits (see chart). Both loans require a lien to be placed against your property. Maximum loan assistance for all funding is $24,950.00. 


To be eligible for the Affected Properties Home Improvement Program, you must:

  • Be the owner-occupant of a single-family residential dwelling for a period of 6 months.
  • Be located within an area specified by the City of Council Bluffs Community Development Department.
  • Have a clear title with no liens and/or judgments.
  • Be current on all real estate taxes and sanitation fees.
  • Meet the income limits. 

To determine your eligibility, please contact Lora Flom at (712) 890-5353. If you meet the requirements, you will be encouraged to apply at the link below. 


Complete an application online here: City of CB Housing Rehabilitation Programs Application. For technical help registering and starting your application, instructions are available here.

Affected Properties