Home Repair Loan: This is a loan program for elderly and low income homeowners. Staff will assist with selection of licensed contractors to perform this work. The home must meet all city codes. Veterans receive a bonus incentive for participation in the program. Emergency Repair Loan Program: This is an emergency rehab loan for elderly and low income homeowners to correct a serious health/safety or energy conservation condition. Examples of emergency repairs include: furnace, gas lines, insulation, roofs, electrical, plumbing, handicapped accessible improvements, etc. Windows & Siding: This is a zero interest loan program for homeowners who wish to install vinyl replacement windows and/or vinyl siding. This is a deferred loan.