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Many Oregon homes were damaged or destroyed in the devastating 2020 wildfires. Onsite septic systems were hard hit. Even with funds available through the Federal Emergency Management Agency and other disaster recovery programs, for many homeowners septic system repairs are prohibitively expensive.
The Department of Environmental Quality (DEQ) and Craft3 are partnering to offer a unique financial aid package to help homeowners impacted by the 2020 wildfires. Fire-impacted homeowners can apply for both a loan and a grant to repair or replace their onsite septic system. Eligible borrowers will be offered grant resources on a sliding scale based on annual household income. This grant award can cover a significant share of project costs. Onsite septic system project costs that exceed the grant award can be covered by an affordable Craft3 loan.
To be eligible you must meet the two following criteria:
1. Live in a fire-affected zip code listed below
2. Provide one of the documents listed below to demonstrate fire damage
Please contact a Craft3 Clean Water Lender at 888-231-2170 ext.125 if you believe you may be eligible but answered no to one of the above questions.
Eligible homeowners can receive a grant to help pay for part of your septic project. Grant funds are limited and are available thanks to federal American Rescue Plan Act (ARPA) and DEQ. Apply soon to access funds while they’re still available.
The grants do not need to be paid back. The amount you’re eligible for is based on your annual income, with lower-income homeowners receiving larger awards. Annual income is based on the most recent full calendar year. For example, if you apply in 2022, we will look at your 2021 annual household income. The chart below shows the grant amount you may be eligible for based on your annual household income.
Craft3 is proud to offer Clean Water Loans to finance the costs of septic system repair and replacements that are not covered by a grant. Our loans cover all eligible permitting, design, and installation costs; they have lower rates for lower-income borrowers; and they are designed to be accessible to borrowers who may not have perfect credit. In some cases, you can even finance connection to a nearby municipal sewer. Rates and terms are determined by applicants’ annual household income.
Or give us a call and we can walk you through our financing options and answer any questions you may have, 888-231-2170 ext 125.
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