HealthGHHI Committee
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Clear title, no reverse mortgage, or loan score greater than or equal to 50
YES
Loan score greater than or equal to 70 and loan to value less than or equal to 100%
YES
Loan score of 75 or higher, the GHHI committee can approve the loan and grants
62 or older OR disabled occupant whose household income is at or below to 50%
YES
0% Deferred loan

NO


NO




NO


Send out letter of ineligibility for a loan; proceed as grant only
Send to Loan Committee
 
Homeowners at or below 50% AMI
YES
0% payback loan, with the term adjusted so that total housing costs do not exceed 30% of gross and 42% of gross for total debt payments.







NO


 
 
 
Homeowners at 51% to 80% AMI will receive a 3% payback loan over 10 years