FORTIFIED Fund

Households must have a family income of 120 percent or less of the median income for the area at the time the household is accepted for enrollment by the member for FHLB Dallas’ FORTIFIED Fund grants.

• The member may not request funds in an amount exceeding $15,000 per household for the replacement of an existing roof under the FHLB Dallas FORTIFIED Roof Grant or $7,500 per household for the upgrade to an FHLB Dallas FORTIFIED Construction Grant on a newly constructed home. In both cases, the funds will pay for the actual cost of the roof plus any allowable intermediary and evaluator fees within the program limits
• The roof must be completed in accordance with FHLB Dallas FORTIFIED Fund program requirements. For existing homes, the intermediary fee may not exceed 10 percent of the funds portion of the roof cost. If the intermediary is also the certified evaluator, the combined fees cannot exceed $1,500. For new homes, an intermediary fee is not allowed; however, the evaluator fee is allowed
• The member must pass on the full amount of the funds as a subsidy for the benefit of the household for which the funds were approved, which must be documented in applicable documents related to the roof

For existing homes, the following is required:

• An executed FHLB Dallas FORTIFIED Fund estimate from a roofer
• An FHLB Dallas FORTIFIED Fund evaluation from a certified evaluator. The evaluator will perform an initial review of the current condition of the home and provide documentation of the steps needed to complete the roof
• A home is ineligible if it is resting on an unreinforced foundation (stacked stone, block or piers) or lacks an adequate connection between the home and the foundation. For a complete list of eligibility requirements, please visit see the FORTIFIED technical documents
• For funds to be disbursed on replacement roofs, a FORTIFIED roof certification for the home will be required along with the final invoice of the FHLB Dallas FORTIFIED Fund roof

For new homes, the following is required:

• An identified FORTIFIED roof evaluator along with the cost of their evaluation
• The roof replacement and certification must be completed within 90 days of committed funds. The roof construction and certification must be completed within 180 days of committed funds
• For funds to be disbursed on a new home, an FHLB Dallas FORTIFIED Fund certification for the home will be required along with an executed final closing disclosure noting the homebuyer and the home address for which the funds were committed or other evidence of homeownership if the home is being reconstructed without a mortgage
• Households may not receive any cash back 
• FHLB Dallas’ FORTIFIED Fund grants  may be used in conjunction with other FHLB Dallas programs as long as the costs are not paid by any other source and the use of funds do not overlap

FHLB Dallas commits and distributes funds for this program through its members on a first-come, first-served basis until funds are exhausted.

1. Connect with a FHLB Dallas member
2. FHLB Dallas members: Download and read the FHLB Dallas FORTIFIED Application Manual for important information about the program
3. Complete all application forms from the FHLB Dallas FORTIFIED Fund Application Manual
4. Print and sign the applicable application forms

Combine the application forms along with any third-party documentation and submit application requests via email to FORTIFIEDfund@fhlb.com.
 
Once the application is reviewed and approved, an email will be sent to the member contact notifying them of the committed funds. The final documents will be required within 90 days for roof replacement or 180 days for roof construction. Once the documents are reviewed and approved, the funds will be disbursed to the member.