Allegheny Home Improvement Loan Program
Below is a brief overview of the AHILP Process. While the process includes a number
of mandatory measures, our staff will assist you at every step along the way. Our
goal is to make your experience as smooth as possible.
There are 4 steps:
2. Home Inspection
3. Contractor Selection
4. Loan Closing
We look forward to receiving and reviewing your application for
AHILP funding. Click here to download the AHILP Application
. Please take the time to fully complete the application and
provide all of the required documentation. Once your completed
application and all supporting documentation is received, it will
be reviewed by AHILP staff or Parkvale Bank for completeness and
eligibility. If you are eligible, you’re ready for the next step.
After you receive preliminary loan approval, our Construction Advisor will contact
you to schedule an initial home inspection. This is a homeowner-friendly process.
The Construction Advisor will prepare a Property Evaluation Report detailing any required code-compliance
work and will review this report with you.
If the report identifies chipping, peeling paint or a painted surface that may be
disturbed during your home repairs, additional items, including Lead-Based Paint
Testing and Lead-Hazard Control, may be required. (These requirements apply to homes
built before 1978.) Please see HUD's Lead-Safe Housing
Rule for more information regarding Lead Requirements.
Once you receive the list of code-compliance and Lead-Hazard Control items that
must be repaired and supplement that with the improvements you wish to address,
you’re ready to select a contractor. A few notes here:
- Contractor Requirements. If Lead-Hazard Control is required, you’ll need
to choose a contractor trained in Lead-Safe Work Practices.
- Hire a Professional. Homeowners may not undertake the proposed work themselves.
Work must be performed by a professional, insured contractor.
- Solicit Recommendations. Professional home improvement contractors span a
wide range of capabilities and specialties. To protect yourself, be thorough and
cautious in hiring your contractor. A little time invested up front can save lots
of anxiety later on. Get recommendations from people who’ve undertaken projects
similar to yours. Ask them if they have any complaints . . . and ask to see the
finished job. Try to get at least three bids. Remember, cheapest is not always best.
Ask your prospective contractor for the names and phone numbers of a supplier and
at least three previous customers, then call those references. Determine if the
contractor uses subcontractors — and check their references as well.
After your contractor’s proposal has been reviewed and approved by the Construction
Advisor and all other construction-related documents have been submitted and reviewed,
our staff will contact you to schedule your loan closing. Closings typically occur
at ACED offices located in Downtown Pittsburgh at the Regional Enterprise Tower, 425 Sixth Avenue, 8th floor,
Pittsburgh, PA 15219 (the former ALCOA building).
Three days after your loan closing, your contractor will be able to begin work.