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The City of Portland, Oregon

Portland Housing Bureau

Solving the unmet housing needs of the people of Portland.

Phone: 503-823-2375

fax: 503-823-2387

421 SW 6th Avenue, Suite 500, Portland, OR 97204

More Contact Info

How to Apply

Here's a step-by-step look at the process for getting a Portland Housing Bureau (PHB) Home Repair Loan:

  1. Review Eligibility: Read through the “Eligibility and Loan Terms” information to determine if you qualify.
  2. Application: Contact the PHB Housing Loan Coordinator Bev Keagbine at 503-823-3336 or by email at and request an application. Fill out the application and return it with the necessary documentation to: Portland Housing Bureau; Attn: Bev Keagbine; 421 SW 6th Avenue, Suite 500; Portland, OR 97204.
  3. Application Review: The Loan Coordinator will review the application and accompanying documents and determine eligibility and availability of funds. PHB will request any additional documentation if needed.
  4. Commitment Letter: If the borrower is eligible, and funds are available, then PHB will send out a Commitment Letter for the borrower to sign and return.
  5. Construction Coordinator: The PHB Construction Coordinator will schedule an appointment with the borrower at their home to complete a home assessment. The Construction Coordinator will discuss with the borrower the critical repair needs and finalize the work to be done.
  6. Contractor Bids: The Construction Coordinator will assist the borrower to obtain a minimum of three bids from contractors for the repair work. Then the borrower chooses a contractor, and signs a construction agreement between the contractor and the borrower.
  7. Final Loan Determination: Based upon the construction agreement, the Construction Coordinator establishes the final loan amount.
  8. Property Lien Report: The Loan Coordinator requests a report from the title company regarding any liens and/or judgments on the property. The Loan Coordinator reviews the report and confirms loan eligibility. 
  9. Closing Documents Signing: The Loan Coordinator schedules an appointment with the borrower to sign the loan closing documents.
  10. Funding the Loan: PHB puts the repair funds into an escrow account. The borrower and contractor then receive a “Notice to Proceed” letter, and the borrower contacts the contractor to schedule the repair work.
  11. Completion of Repairs: Once the contractor finishes the work, the borrower and the Construction Coordinator must approve the work. The borrower then completes a loan disbursement form and provides it to the Construction Coordinator so that the contractor can be paid.