Program Description

The MNO Emergency Repair Program (ERP) aims to provide low-to-moderate income Métis Citizen home owners with a one-time forgivable loan to complete necessary emergency repairs that would compromise the homes integrity and/or improve accessibility for persons with disabilities up to maximum of $15,000.00. Additional funding may be available for high cost emergency replacement of septic systems, well water and well drilling, and foundations only (certain criteria applies).

Loan forgiveness will be earned at an equal rate of 20% over 5-year term. To earn forgiveness, homeowners must maintain ownership and residency for the 5-year term.

Loan Repayment will be required under the following conditions:

  1. death of the homeowner(s); sell, rent, or transfer of the unit; and/or the home ceases to be the sole and principle residence of the homeowner(s) prior to the loan forgiveness period being fully earned.
  2. Failure to submit proof of homeowners’ insurance annually and proof of address.
  3. Homeowner provides fraudulent or misleading information in the original application

In the case of 1) or 2), only the unearned forgiveness will be repaid. In the case of 3) the entire loan will need to be repaid.

Loan Security will be required:

  • MNO ERP (up to $15,000.00) a Letter of Agreement and Promissory Note will be executed with the homeowner

For a detailed list of the programs Terms and Conditions, please contact the program.

Resources:

FAQ’S: For a list of Frequently Asked Questions please click here.

Additionally, make sure to read Ontario’s Know Your Rights Document, to navigate home repairs.

CONTACT: For more information about the MNO’s Housing and Infrastructure programming and services please contact 705-722-5022 x302 or email HousingPrograms@metisnation.org