Restore Repair Renew

Helping low-to-moderate income Philadelphians access low-interest home equity loans to fund repairs that keep homes and the families who own them healthy and safe.

Our homes aren’t just valuable assets, they are the core of our day to day lives. But when home repairs are needed, the expense can be overwhelming. The Restore, Repair, Renew program is here to help. By repairing homes, we can dramatically improve the health of the families and individuals living there while also preserving familial wealth, neighborhood vibrancy, and affordable housing that we could not afford to build today. Clarifi’s certified Housing Counselors are here to guide you through every step of the process.

            

The Restore, Repair, Renew program is a City of Philadelphia and PHDC initiative helping Philadelphia homeowners access low-interest home equity loans to fund a range of home repairs that focus on health, safety, weatherization, accessibility and modernizing outdated features. The goal of the program is to help Philadelphians improve their homes and strengthen their communities.

Lenders participating in the program offer a 10-year fixed-rate, 3% interest home equity term loan to program participants. The loan can range from $2,500 to $50,000. Eligible homeowners have a household income of 120% of area median or less.

Clarifi’s certified Housing Counselors will help you understand whether the RRR program is right for you, guide your application process, and help navigate next steps if you are approved for an RRR loan.

Call 215-866-5200 to schedule an appointment.

RRR Program Document Checklist

Want to show your support for Restore, Repair, Renew? Our social media toolkit can help you start spreading the word.

Success Story

Learn how Clarifi helped William Goldsby repair his home, sweet home.

Your Home Improvement Journey

  1. DETERMINE IF YOU ARE ELIGIBLE +

    Are you eligible for the program? Clarifi is here to help you figure it out.  

    Call us at 215-866-5200 and we will work you through the pre-eligibility steps including what you need to submit to us for verification, including:

    • Last 2 pay stubs
    • Proof of all income sources (If you do not have this, we can help you obtain).
    • Household Size Affidavit (Attached)
    • Privacy Disclosure (Attached)
    • Additional income documents if it applies (For example, a Social Security award letter)

    We may have to ask you for additional information and documents depending on your personal situation.

  2. GET HOME ASSESSMENT COMPLETED & GET ESTIMATES +

    In order to preserve your most important asset, Clarifi will work with you to figure out the home repairs you need and the repairs you want. 

    • Clarifi will send out a professional  to perform a home assessment.  You will get a copy of this to use as a guide for your repairs.
    • Contractors providing estimates must be licensed and insured.  The selection is yours to make and your contractor will have to submit license and insurance in order to have their estimates accepted.
    • Clarifi can provide you with direction on how to select a contractor and review an estimate.
    • When you decide on a contractor’s estimate, Clarifi will submit estimates to your lender.

  3. SUBMIT YOUR LOAN APPLICATION +

    The lenders will provide you with a list of the documents they need to collect in order to process your application.

    The lenders are bound to follow certain regulatory and program requirements for your loan application review to determine the amount you can qualify for, including:

    • Loan-to-Value ratio
    • Debt-to-Income ratio
    • Credit review
    • Title search

    There may be other reviews utilized depending on your personal situation, the lenders are committed to work with families who are determined to be eligible for the Restore Repair Program.

  4. HOME REPAIRS BEGIN +

    Once you have been approved for your RRR Home Loan final estimates you wish to use are to be submitted to Clarifi who will provide them to the lender.

    You are the owner of the property and the projects. The contract with the contractors is with you; we know that may be daunting and we are able to help over the phone with questions you may have. Clarifi wants to provide you with the information necessary to manage the contractors and schedule so you can take on your next home improvement project on your own without our help.

  5. REPAIRS COMPLETED +

    Congratulations on your home repair! You have preserved your home, increased your home value and improved your health.

    Don’t forget:

    • Contact your lender to let them know the repair is complete. The lender needs to inspect the work before the contractors can be paid
    • Request any written warranties on workmanship or parts, appliance or materials that were a part of your project.
    • Read the warranties in case they require some sort of regular maintenance to an item, for instance changing filters on a furnace regularly or coating a roof, to remain in force
    • Examine loan payment documents to ensure they are correct, and you understand payment terms
    • ENJOY your repairs and renovations!

Interest Form

Restore, Repair, Renew Contact Form

Personal Info



The RRR Program is only available to Philadelphia homeowners. Please call 215-563-5665 to learn about our other services.