Borrow the entire cost of eligible design, permitting and installation. Lower interest rates for qualified lower-income borrowers.
No up-front loan fees or pre-payment penalties. Perfect credit not required. Competitive interest rates.
Make automated payments directly from your bank account.
We have helped hundreds of Oregon homeowners repair or replace their septic systems, stay in their homes, and keep local waters clean. We answer your questions, help you every step of the way, and troubleshoot any challenges. We look forward to working with you!
This program is made possible by funding from the Oregon legislature and is administered in cooperation with the Oregon Department of Environmental Quality (DEQ). Additional information about the DEQ Onsite Septic Program is available on its website.
Additional grant funding that can lower your project costs may be available. We will notify you of this as part of the standard application process.
If you live in Oregon, you’re eligible to borrow up to the full cost of your septic repair or replacement. In addition, one or more of the following must apply:
As of December 1, 2023, certain owner-occupied households with an annual income of $80,000 or less per year may be eligible for a grant of $15,000 to reduce their project costs. We will notify you of your eligibility as part of the standard application process.
*APR, Annual Percentage Rate based on example loan criteria.
**Deferred Payment option maximum loan amount is $35,000 and maximum loan-to-value is 80 percent.
***Interest-only Payment option maximum loan amount is $45,000 and maximum loan-to-value of 100 percent.
Loan availability, terms and conditions current as of 12.01.2023 and are subject to change. Examples include financing of Craft3 $795 loan fee. All loan applications are subject to credit, property and project approval. Maximum loan amount and Loan to Value apply and are subject to equity value and underwriting requirements for all programs. Loans are secured by a UCC-1A filing recorded with the county. Subordination may be available with lender approval, fees may apply. Principal balance and interest (if applicable) is due on sale, transfer, refinance or maturity.
Craft3 supports homeowners every step of the way. Here's how it works.
Oregon Department of Environmental Quality Onsite Wastewater Management Program.
Searchable database of Licensed Onsite System Installer and Pumper Businesses.
Water & Waste Disposal Loan & Grant Program in Oregon, Rural Development, U.S. Department of Agriculture.
"What does a great day at work look like? Being able to say “YES” to someone who comes to us believing there isn’t any hope."