How to apply for SCCOG Housing Rehabilitation and Emergency Repair Loans — Las Animas County in Colorado
South Central Council of Governments (SCCOG) Housing Department, 300 S. Bonaventure Ave., Trinidad — serving Huerfano and Las Animas counties (funded by Colorado Division of Housing CDBG and a USDA Rural Development Housing Preservation Grant)
Who it's for
SCCOG offers low-interest loans to low- and moderate-income homeowners in Las Animas County to repair the home they live in. Repairs can include electrical, plumbing, heating, foundation, roofing, septic systems, walk-in tubs or showers, and doors and windows, with the main focus on problems that affect health and safety. Loans range from 0% up to regular commercial rates, and the most one household can borrow is $24,999. A licensed contractor does the work and SCCOG oversees it. Pick up an application at 300 Bonaventure Ave. in Trinidad, or call 719-845-1133, ext. 213.
This is a loan, not a grant: it is secured by a deed of trust and must be paid in full when the home is sold or you move out. You must own the home, have lived in it as your only home for at least a year, meet HUD income guidelines, and have no liens other than a first mortgage. SCCOG also considers your past record of paying debts.
People who qualify for one senior program often qualify for others. See everything you may qualify for — free, no SSN, about five minutes.
Find my benefitsWhat you'll need
- Proof that your name is on the title and the home has been your only residence for at least one year
- Proof of household income (HUD income guidelines)
- Proof the property has no judgments or liens other than a first mortgage
Where to apply
Apply online: official application
By phone: 719-845-1133
What to say when you call
"Hello, I'm calling to ask about SCCOG Housing Rehabilitation and Emergency Repair Loans — Las Animas County. I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need proof that your name is on the title and the home has been your only residence for at least one year, proof of household income (HUD income guidelines), proof the property has no judgments or liens other than a first mortgage — is anything else required? What is the best next step?"
Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.
Renewals
one-time per repair project
Not sure if you qualify? Run a free check first.
Find my benefitsNot legal or financial advice. The agency makes the final eligibility decision.