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Manufactured Home Replacement Program

Program Overview

Based on a $3 million, USDA Rural Energy Savings Program loan, Umatilla Electric Cooperative (UEC) has developed a Manufactured Home Replacement Program intended to dovetail with the State of Oregon’s program implemented in Summer 2021.

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In coordination with the state and Bonneville Power Administration (BPA), the UEC program offers financial and other incentives to replace pre-1994 manufactured homes with new, energy-efficient manufactured homes.

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The program is aimed at homeowners who are not likely to replace their home without assistance and may be unlikely to qualify for other lending. 

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Program Design

  • With $5 million+ in funds approved by the Oregon Legislature, the state Oregon Housing & Community Services will provide a loan (which will become fully forgivable if the homeowner stays 10 years.)

  • The state loan/grant is intended to provide gap financing, with primary loans offered by entities such as UEC. The state also will provide up to $15,000 to decommission the old home.

  • To supplement the program beyond the state program, UEC also will coordinate with the Bonneville Power Administration’s energy efficiency program to provide rebates for manufactured home replacement.

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State Loan Program Criteria – Oregon Housing and Community Services (OHCS)

  • Recipient must be owner-occupier and stay in home 10 years

    • 10-year loan term, Forgivable.

    • Low interest rate; no down payment or payments required.

    • Outstanding loan balance will be reduced quarterly.

  • If dwelling sold before 10 years, balance must be repaid or loan assumed by eligible buyer with prior approval by OHCS.

  • Household income may not exceed 100 percent of statewide median household income.

  • Agree to take a homeowner/energy conservation course (available locally through CAPECO).

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UEC Loan Program Criteria (USDA RESP Program)

  • Recipient must be owner-occupier and receive power from UEC.

  • For new manufactured homes only. A pre-inspection of the home to be replaced and a post-inspection of the newly installed home will be required.

  • The UEC Business Resource Center will process UEC loan applications.

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For More Information

​Give us a call at 541-289-3000 or send us an email at uecbrc@gmail.com. 

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