256-760-9515 info@shoalshabitat.org

Residential Rehabilitation

Shoals Habitat Residential Rehabilitation Program

We offer 0% financing for home rehabilitation services to low income homeowners in Lauderdale and Colbert Counties so they can continue to live in safe, decent homes for years to come. Projects that can qualify include HVAC repair, window and exterior door replacement, handicap installations for accessibility, and hot water heater replacement.

What rehabilitation services can qualify?

Financing is Available For These Rehabilitation Services:


  • Heating/Cooling Equipment (HVAC) Repair/Replacement
  • Roof Repair/Replacement
  • Exterior Door Replacement
  • Handicap Installations for Accessibility
  • Hot Water Heater Replacement

How does the process work?

Submit an Application

The homeowner starts the process by submitting an application and supporting documents to Shoals Habitat. The application process may take 3 to 6 months

Provide Sweat Equity

Applicants must contribute a minimum of 8 hours of Sweat Equity while participating in this program. The number of volunteer hours required will be based on the project’s final dollar value.

Schedule Construction

The schedule of your project will vary depending on the nature of your need and the availability of labor.

Sign Closing Documents

A Promissory Note will be signed once the final cost of the repairs has been determined. Repayment will be based on the final cost of repairs and the homeowner’s ability to pay.


Shoals Habitat will provide an affordable 0% interest loan which the homeowner will repay over a period of time.

Reach Us

PO Box 3135
Florence, AL 35630

Affiliate Office


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