Hillsborough County Owner-Occupied Rehabilitation (OOR) Program

About This Program

Hillsborough County's OOR Program provides interest-free deferred payment loans to rehabilitate homes of low-income residents in unincorporated Hillsborough County, Plant City, and Temple Terrace. Funded through SHIP and Local Housing Trust Funds, the program addresses leaking roofs, plumbing, electrical, HVAC, and accessibility. Property value cannot exceed $300,000 and home cannot exceed 2,000 sq ft.

Interest-free deferred loan; repayment generally required only at sale or change of primary occupancy.

Key Details

• Up to $100,000 interest-free deferred loan
• For unincorporated Hillsborough, Plant City, or Temple Terrace
• Income must be below 80% AMI
• Covers roof, plumbing, electrical, HVAC, and accessibility
• Home must have homestead exemption for past 2 years

How to Apply

Deadline: Open until funds exhausted; check hcfl.gov for current status