Designed to help provide safe and sound housing to households of low income, veterans, seniors, and homeowners with special needs through loans for repairs or improvements. To correct, repair, or replace an essential system and/or critical structural problem for low-income homeowners who are elderly (60+) or disabled. This is not a comprehensive home renovation program; the aim is to stabilize the homeowner's residence by making essential repairs to make the home more livable. If you are a homeowner interested in receiving a grant or loan to rehabilitate your home, please contact your local ERP agency.