The Low-to-Moderate Income Homeowners Rebuilding Program is designed to provide reconstruction, rehabilitation and elevation assistance to homeowners of low-to-moderate income (LMI) who were impacted by Superstorm Sandy and whose damaged primary residence is located in one of the nine most impacted counties. This program is additionally designed to serve LMI homeowners of Limited English Proficiency and owners of Manufactured Housing Units, as well as those LMI homeowners who did not apply for the Reconstruction, Rehabilitation, Elevation, and Mitigation (RREM) Program. The LMI Homeowners Rebuilding Program began accepting applications January 5, 2015. The deadline to apply is March 20, 2015 at 11:59 PM.
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Program Eligibility Requirements:
- Homeowner must have registered with FEMA.
- Homeowner must have owned and occupied the damaged home at the time of the storm.
- The damaged home must have served as the homeowner’s primary residence.
- The damaged home must be located in one of the nine most impacted counties of Atlantic, Bergen, Cape May, Essex, Hudson, Middlesex, Monmouth, Ocean, or Union.
- The damaged home must have sustained Sandy-related damage of at least $8,000 or had more than one (1) foot of water on the first floor.
- Homeowner who received federal disaster recovery assistance for a previous federally declared flood disaster by law must have continuously maintained flood insurance since receiving the federal disaster recovery assistance.
- You must qualify as low- to moderate-income based on your household adjusted gross annual income at the time you submit an application. Adherence to income limits is required for eligibility for the duration of the program. The chart below provides the income limits that apply to the program:
LMI Income Limits as of April 8, 2014
| COUNTY | 1 Person | 2 Person | 3 Person | 4 Person | 5 Person | 6 Person | ||
| Atlantic | $38,150 | $43,600 | $49,050 | $54,500 | $58,900 | $63,250 | ||
| Bergen | $49,000 | $56,000 | $63,000 | $70,000 | $75,600 | $81,200 | ||
| Cape May | $41,200 | $47,050 | $52,950 | $58,800 | $63,550 | $68,250 | ||
| Essex | $49,150 | $56,150 | $63,200 | $70,200 | $75,800 | $81,450 | ||
| Hudson | $42,150 | $48,150 | $54,150 | $60,150 | $65,000 | $69,800 | ||
| Middlesex | $56,300 | $64,300 | $72,350 | $80,400 | $86,850 | $93,250 | ||
| Monmouth | $48,850 | $55,850 | $62,800 | $69,800 | $75,400 | $80,950 | ||
| Ocean | $48,850 | $55,850 | $62,800 | $69,800 | $75,400 | $80,950 | ||
| Union | $49,150 | $56,150 | $63,200 | $70,200 | $75,800 | $81,450 |
The Low-to-Moderate Income Homeowners Rebuilding Program is funded with $40 million in U.S. Department of Housing and Urban Development Community Development Block Grant-Disaster Recovery funds. Of the $40 million, $10 million is earmarked for substantially damaged manufactured homes. After the application period closes on March 20, 2015 at 11:59 PM, a computer randomization will determine priority of grant eligibility. Homes that were substantially damaged by Sandy – the damage was more than 50 percent of the pre-storm value of the home – are given priority.
Sandy Recovery Housing Counseling Free HUD-certified housing counseling services that address a wide range of financial and housing issues are available to renters and homeowners who were impacted by Superstorm Sandy and lived in one of the nine counties most impacted by the storm at the time of Sandy. For more information about these free services, please visit Sandy Recovery Housing Counseling Program. Interested applicants may also complete and submit the Superstorm Sandy Assistance Notification Form to receive additional emails and alerts about the program.
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