This program offers low-cost, fixed-rate loans to eligible homeowners for repairing, replacing, or connecting individual on-lot sewage disposal systems or public sewer connections. Loans support principal residences with terms up to 20 years and amounts up to $25,000, helping reduce financial burden for septic projects while meeting public health and environmental standards.
Eligible applicants are homeowners listed on the deed with at least 50% ownership for their principal residence. Applicants must meet debt-to-income ratio limits, have acceptable credit payment history, and comply with flood zone requirements. Rentals, second homes, and reverse mortgage holders are
