Fix My Home

SD Housing / Available Programs / Fix My Home

Community Home Improvement Program

The Community Home Improvement Program (CHIP) provides low-interest loans for eligible borrowers to improve or repair the borrower's present single-family homes.

The interest rate for CHIP Loans is 2.9%. The total gross annual household income is a maximum of $114,120 for a household of 2 or less or a maximum of $133,140 for a household of 3 or more. CHIP Loans have level monthly payments and are amortized according to underwriting guidelines. Loan amounts and terms are determined on an individual basis.

There are no loan-to-value requirements and minimal costs associated with obtaining a CHIP Loan.

How to Apply

Contact one of SDHDA's CHIP Participating Lenders for an application and interview.

CHIP Participating Lenders

To apply for a CHIP Loan, you will need to contact a CHIP, Participating Lender. The CHIP Participating Lender will originate, process, and close the CHIP Loan. Additionally, all monthly payments will be made to this lender.

HOME Homeowner Rehabilitation Program

The objective of the HOME Homeowner Rehabilitation Program is to provide funding to eligible homeowners to assist with the repair, rehabilitation or reconstruction of owner-occupied units. 

Current recipients that administer HOME Homeowner Rehabilitation funds can be found here.

HOF Homeowner Rehabilitation Program

The objective of the Housing Opportunity Fund (HOF) Homeowner Rehabilitation Program is to provide funding to eligible homeowners to assist with the repair, rehabilitation or reconstruction of owner-occupied units.

Current recipients that administer HOF Homeowner Rehabilitation funds can be found here.

Discrimination Complaints

Federal law prohibits housing discrimination based on your race, color, national origin, religion, sex, family status, or disability. If you have been trying to buy or rent a home or apartment and you believe your rights have been violated, you can file a fair housing complaint. There are several ways to file a complaint:

• You can file a complaint right now, by using this online form.

• You can call toll-free at 1-800-877-7353.

• You can print out a form, complete it, and drop it off at your local HUD office or mail it to the address below:

• You can write a letter including:

  1. Your name and address

  2. The name and address of the person your complaint is about

  3. The address of the house or apartment you were trying to rent or buy

  4. The date when this incident occurred

  5. A short description of what happened

Then mail it to the Fair Housing Hub closest to you:

Fair Housing Hub
U.S. Department of Housing and Urban Development
1670 Broadway
Denver, Colorado 80202
(303) 672-5151
1-800-877-7353
TTY (303) 672-5248

Legal Services of SD

The following agencies provide free legal services to income-eligible persons. Contact them directly for more information.