What it is
The Four Component (4COM) program covers repair or replacement of the four systems that keep a house livable: roof, electrical, furnace, and plumbing.
A Building Rehabilitation Specialist performs an initial inspection; the county’s housing committee sets the scope of work; and loans are offered at below-market interest rates with terms up to 20 years.
The senior advantage
Homeowners 62 and older who meet income criteria may qualify for a deferred loan — no monthly payments at all; the loan is repaid only when the property transfers title. For seniors on fixed incomes, this effectively means the repairs happen now and the house pays for them later.
How Gesher helps
We’ll assemble the application, coordinate the inspection, and compare 4COM against grant programs (like University Heights’ property maintenance grants or HRRC programs) that might cover the repair without any loan at all.