Housing Rehabilitation Application

The Township of Middle offers a home rehabilitation loan program designed to assist qualified residents with necessary home repair needs. This program provides zero-interest, deferred payment loans, contingent on the availability of funds, and processes applications on a first-come, first-serve basis. Applicants must submit a comprehensive application package including their 2024 federal tax return, recent pay stubs, a copy of their deed, and current homeowner's and flood insurance declarations, alongside income details for all adult household members. Incomplete applications will not be processed. Loans are structured as deferred payments, meaning the principal amount is only due upon the sale, transfer of title, refinancing, or when the property ceases to be the applicant's primary residence, with no interim interest or payments. The program potentially utilizes Community Development Block Grant (CDBG) funds and includes a mandatory home inspection to address code compliance violations. For homes built before 1978, lead assessments and abatement, if paint is disturbed, will be funded by the grant. All required documentation and completed applications should be returned to Nancy Sittineri, Director of Grants and Economic Development, at 33 Mechanic Street, Cape May Court House, NJ 08210. For any questions regarding the application process or the rehabilitation program, individuals are encouraged to contact the Economic Development Office at (609) 465-8731.