The City offers housing rehabilitation loans and grants to homeowners who reside in Ontario and earn less than 65 percent of the median income. This Home Hardship loan program helps Ontario single-family residences eliminate exterior and interior code deficiencies. The loan is 0 percent interest, fully deferred and due upon sale, transfer of title or certain refinancing. Code deficiencies may include roof replacement or repair; replacing or repairing faulty electrical systems and or plumbing; and bringing existing illegal structures up to code. The maximum loan amount cannot exceed $50,000 and the loan-to-value ratio cannot exceed the after-rehabilitation value. Grants are also available in certain cases. Owner occupants earning up to 50 percent of the median area income can receive a grant of up to $5,000 to assist with health and safety improvements.