Major Rehab

Step 1.Program Area

At this time, Home Rehab is accepting appointments to review pre-loan eligibility for homeowners living in Council Districts 1, 2, 3, and 5. Citywide applications will open Summer 2026.

To see if you live in one of these districts check the map or call 210-207-6459.

Find My Council District

Step 2.Eligibility for Forgivable Loan

NOTE: Final eligibility for forgivable loan is determined upon site visit and home assessment.

• Own and live in a single-family home with a current Homestead Exemption within the City of San Antonio
• Household Income at 80% or below of Area Median Income
• Have a clear property title – Lien issues and/or judgments with a combined total less than $5,000 may still be eligible
• Must be current on property tax and mortgage payments
• Reverse mortgages not eligible
• Proof of Homeowner/Fire Insurance 

Step 3.Schedule your Appointment

Appointments are required to begin the loan pre-application. Walk-ins are not guaranteed and may not be served due to capacity limitations. You may call us at 210-207-6459 to make an appointment or book online.

Schedule an Appointment

Address:
City Tower
100 West Houston, Concourse Level
San Antonio, TX 78205
Directions

NOTE: All guests must present a valid ID at security.

Required Documentation

To pre-apply for the 0% interest loan, please bring all of the following to your appointment:

• Copies of current government-issued IDs and Social Security Card for individuals living in the home (birth certificates for minors)
• If currently insured, a copy of the property insurance declaration page is
• If the property tax account has an active deferral or payment plan (must be less than $5,000), proof of current payment is required.
• Proof of current mortgage (statement), if
• Proof of Income includes three months of most recent pay stubs, last two years of tax returns if self-employed, or benefit award letters. Current 2026 benefit award letters may include:
  • Social Security
  • Supplemental Security Income (SSI)
  • Retirement
  • Child Support
  • Alimony
  • Temporary Assistance for Needy Families (TANF).
• Bank statements for three most current and consecutive months (For example, December 2025, January 2026, and February 2026.)
• Retirement savings account statements, if applicable

Step 4.What Happens Next

Loan Eligibility Review

1. Project is reviewed for eligibility, property tax homestead exemption, current taxes and clear title.
2. A title review will be conducted to validate home ownership.
3. Homeowner will be contacted by phone or letter regarding loan approval, denial, or if additional information is needed for processing.
4. Once homeowner's loan is pre-approved, they will select a contractor from a courtesy list provided by the City of San Antonio.

Sign Your Loan Documents

1. We will schedule a loan closing where you will sign program documents, including a Program Agreement and a Restrictive Covenant.
   • The restrictive covenant is a deed restriction that limits selling the home for a set period unless the loan is repaid.
   • It does not give the City ownership of your home.
2. Homeowner’s insurance is required at the time of closing.

Construction Begins

1. After you sign your loan documents, your selected contractor will begin repairs.
   • The City pays the contractor directly, with your approval, as work is completed.
2. The restrictive covenant will remain in place for 10 – 20 years, depending on your project.