Township of North Brunswick, NJ
Middlesex County
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Table of Contents
Table of Contents
[HISTORY: Adopted by the Mayor and Council of the Township of North Brunswick as indicated in article histories. Amendments noted where applicable.]
GENERAL REFERENCES
Uniform construction codes — See Ch. 147.
Affordable housing — See Ch. 195.
Housing standards — See Ch. 197.
Property maintenance — See Ch. 243.
[Adopted 6-5-2006 by Ord. No. 06-14]

§ 198-1 Purpose.

The purpose of this article is to establish the terms and conditions under which eligible income-restricted homeowners within the Township, as determined by the Director of the Department of Community Development, or his designee, may obtain grants/deferred loans from the Township to repair and/or rehabilitate their homes.

§ 198-2 Definitions.

As used in this article, the following terms shall have the meanings indicated:
INCOME
All regular gross income received by the head of household and spouse, including that of any other household member over 18 years of age and not a full-time student, which income shall be verified by the production of federal income tax returns (IRS 1040s or valid equivalent substitute) for the year prior to the date of the application.

§ 198-3 Eligibility criteria.

A. 
Property to be repaired or rehabilitated must meet all of the following requirements:
(1) 
Single-family house.
(2) 
Owner must live in house (owner-occupied).
(3) 
Must be located in North Brunswick Township.
B. 
Applicants shall meet the maximum income limits as established by the Middlesex County Housing and Community Development criteria.
C. 
All applications must be approved by the Director of the Department of Community Development or his designee before bids, quotes or proposals for property repair or rehabilitation are accepted.
D. 
Three itemized bids, quotes or proposals from approved contractors for the work as detailed on the Department of Community Development scope of work documents must be received for the proposed property repair or rehabilitation before bids, quotes or proposals are reviewed and/or awarded.
E. 
A contractor may be selected by an applicant but must be approved by the Director of the Department of Community Development or his designee.
F. 
All required permits for the proposed property repair or rehabilitation must be obtained by the selected contractor, at its sole cost and expense, prior to commencing the work.
G. 
The structure must have all serious code violations, as determined in the discretion of the Director of the Department of Community Development or his designee, abated when the property repair or rehabilitation is complete.

§ 198-4 Trust account.

The maximum amount of the repair or rehabilitation grant/deferred lien available to qualified candidates shall be limited to $10,000 per year. The grant/deferred loan for property repair or rehabilitation shall be placed in a Township controlled trust account along with matching funds, if required, from the homeowners prior to beginning the property repair or rehabilitation work.

§ 198-5 Repayment terms.

All homeowners who are provided grants/deferred loans under this program shall sign a note and mortgage which shall require repayment to the Township of the grant/deferred loan monies, such payment to be reduced, proportionately, per each year subsequent to the completion and acceptance of the property repair or rehabilitation project work that the homeowner resides in the repaired or rehabilitated properties as follows:
A. 
End of first year: 20% forgiveness; 80% to be repaid.
B. 
End of second year: 40% forgiveness; 60% to be repaid.
C. 
End of third year: 60% forgiveness; 40% to be repaid.
D. 
End of fourth year: 80% forgiveness; 20% to be repaid.
E. 
End of fifth year: 100% forgiveness; 0% to be repaid.