HO-CHUNK NATION - Home Repair Loan (HRL) Policy and Procedure

Sep 16, 2026

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The Ho-Chunk Nation Home Repair Loan (HRL) program policy and procedure establishes eligibility, approval, and administration requirements for enrolled Ho-Chunk Nation homeowners seeking interest-free loan assistance to improve or repair homes and property. It prioritizes qualifying emergency repairs, defines acceptable repair performance by licensed or self-contractor applicants, and requires documented applications including ownership, insurance, enrollment proof, financial records, releases, and contractor bids or estimates. Loan limits, fees, repayment timing, delinquency handling, default consequences, and limits on multiple HRLs are specified, including supporting rationale and background for access to internal funds.

LanguageEnglish

CategoryLetters

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Pages9

Reading Time3 min

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Policy and Procedure

Policy Statement

Policy Purpose

Rationale and Background

Policy Requirements and Administration

# HO-CHUNK NATIONPOLICY AND PROCEDURE | Title:Home Repair Loan(HRL)Program | Subject:HRL Policy and Procedure | | --- | --- | | Scope:Ho-Chunk Nation Enrolled Homeowners | Effective Date:05-18-2020 | | Issuing Authority:Heather Cloud
Executive Director-Department of Housing | L | | Approval Authority:Kimberly Lonetree
Executive Director-Department of Personnel | ANM | | Legislative Authority:Employment Relations Act of
2004,6 HCC§5.4 a;Materials Management and
Procedures. | PoličyNumber:
DOH-HOP-05-18-17-002 | 1.0 Policy Statement: 1.1 This policy replaces the former Home Repair Loan (HRL)Program Policy DOH- HOP-05-17-17-001. 1.2 The Ho-Chunk Nation(HCN)Department of Housing's mission is:To serve thehousing needs of the Nation by providing safe,quality,affordable housing whilepromoting self-sufficiency. 1.3 The HRL Program was approved by the Housing Standing Sub-Committee of theHo-Chunk Nation Legislature on 8/19/13.Actions of the Housing Sub-Committeewere ratified and approved on 8/20/13 by the HCN full Legislature ## 2.0 Policy Purpose: 2.1 The HRL is designed to assist enrolled Ho-Chunk Nation members by providing aloan to improve or repair their homes,in order to maintain and preserve hecondition of the home or property. 2.1.1 Emergency repairs as defined in 4.12.1 will receive priority loan status at thetime the application is received. 2.2 Repairs and improvements shall be performed by a licensed contractor OR self-contractor. 2.2.1 Allwork performed shall be in accordance to all local,state,or tribal buildingcodes.Applicant is responsible for all permits,inspections,payments,andquality of work. 2.3 The Ho-Chunk Nation is not responsible for the quality of workmanship,materialsused,or any guarantee of the above. ## 3.0 Rationale and Background: 3.1 The HRL will assist enrolled Ho-Chunk Nation members to access interest-free # HO-CHUNK NATIONPOLICY AND PROCEDURE funds as an alternative to seeking financial assistance with an outside lender of theHo-Chunk Nation. 4.0 Policy: 4.1 Applicants must be an enrolled Ho-Chunk Nation Member and provide proof ofenrollment,18 years of age or older,and be legally competent. 4.2 Must submit a completed HRL Application,including proof of ownership(copy ofwarranty deed,land lease),certificate of homeowners insurance,proof ofenrollment,signed release of information,financial pay stubs(including percap/child support/social security/spousal income/etc.),HCN release of liability,andat least one contractor bid. 4.3 The applicant shall obtain at least one(1)bid to include the scope of work. 4.3.1 Each bid will need to be signed and dated by the company representative,andvalid for 60 days. 4.3.2 The agreement for services will be between the applicant and the selectedcontractor,and will be subject to current tribal and/or state regulationsregarding building codes,dispute resolution,non-performance,and lien laws. 4.3.3 Applicants who perform the work themselves will assume all liability for theworkmanship and quality. 4.3.3.1 Applicants performing the work themselves must provide an estimateof the material cost from the vendor and one(1)bid from a contractorto complete application. 4.3.4 Neither the Ho-Chunk Nation,nor the Department of Housing are liable forunsatisfactory workmanship done by the applicant's selected contractor or theapplicant themself. 4.4 Must be current on loans with the Ho-Chunk Nation or any outside lender. 4.4.1 Loan delinquencies must be cured prior to approval. 4.4.1.1 Student loans,and medical expenses are exempt from 5.4. 4.5 Loans shall be given on an emergency priority basis when the completedapplication and required documents are received,and contingent on programfunding. 4.6 Applicants must sign an Irrevocable Per Cap agreement. 4.7 Eligibility will be determined by the current debt-to-income ratio.A credit reportwill be pulled from one of the three credit bureau

FAQs

What is the purpose of the Home Repair Loan (HRL) program?

The HRL program provides enrolled Ho-Chunk Nation members with interest-free loan funds to improve or repair their homes, preserving the home or property condition.

Who is eligible to apply for an HRL and what must be submitted?

Applicants must be enrolled Ho-Chunk Nation members (proof of enrollment), at least 18 years old, and legally competent. Applications must include required documents such as proof of ownership, homeowners insurance, signed releases, financial pay stubs, liability information, and at least one contractor bid (or the required materials estimate and bid for self-performed work).

How do repayment, fees, and delinquency work for HRL loans?

Loans may not exceed $15,000 and include an administration fee based on the borrowed amount. Payments are due on the first (15th) of each month unless withdrawn from quarterly per cap payments; late fees apply if not received by the tenth day. If delinquent for 60 days, the Home Ownership Office submits the irrevocable per cap agreement for payment, and if not paid, the file is forwarded to the Department of Justice for collection.

What qualifies as an emergency repair under the HRL policy?

Emergency repairs include replacement of furnace, AC units, and water heaters; septic/well work; limited plumbing/electrical; limited roof repair; and other emergencies supported by written justification. The Executive Director of Housing approves or denies emergency applications.

Sep 16, 2026

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