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FHLB Dallas FORTIFIED Fund

Building Stronger Homes


Program Overview

With the FHLB Dallas FORTIFIED Fund, your institution can help finance strong roofs that will withstand severe weather, saving homeowners money and frustration. The FHLB Dallas FORTIFIED Fund helps income-qualified homeowners to replace an existing roof or upgrade the roof on a new construction home to a FORTIFIED roof. These storm-resistant roofs are designed to prevent damage from hurricanes, high winds, hail and severe thunderstorms.

  • Households may not receive any cash back
  • FHLB Dallas’ FORTIFIED Fund grants may be used in conjunction with other FHLB Dallas programs if the costs are not paid by any other source and the use of funds does not overlap

Available Funds as of June 7, 2024: $0

Intermediary Submission Maximum: $750,000

For further assistance about the FORTIFIED building process, please contact Smart Home America at 855.742.7233.

 

Our Impact

 

$4M

Allocated 2024

$1.1M

Awarded in 2023

116

Households Helped in 2023

There are two types of grants available:

  • The FORTIFIED Roof Grant
    Up to $15,000
    to replace an existing roof with a FORTIFIED Roof
     
  • The FORTIFIED Construction Grant
    Up to $7,500
    to build a FORTIFIED Roof on a newly constructed home

Grants are available until funds are exhausted or December 31, 2024, whichever occurs first. The funds are committed on a first-come, first-served, homeowner-by-homeowner basis.

  • Eligible households may receive up to $15,000 for a roof replacement on an existing home; or
  • Up to $7,500 toward a roof on a newly constructed home
  • Available through members in Arkansas, Louisiana, Mississippi, New Mexico and Texas
  • An intermediary may not submit (via one or more members) more than $750,000 in total requests each year

Benefits for Your Financial Institution

Provides funding that can be stacked with other funding sources for roofing projects.

Creates relationships with housing developers, nonprofits and other community organizations.

Generates new business opportunities for customers in the construction and roofing business.

May qualify for Community Reinvestment Act (CRA) credit.

 

Note: FHLB Dallas FORTIFIED Funds may only be accessed through a member institution. FHLB Dallas does not provide funds directly to consumers.

Funding Resilience

Our FHLB Dallas FORTIFIED Fund can help homeowners protect their property against roofing damage with grants for roofs that can withstand severe weather, including some hurricane-strength winds and rain.  

Success Story

Arkansas Homeowner Secures Storm-Resistant Roof

Single mom Dulce Walker needed a strong, storm-proof roof, but wasn’t sure how to afford it – until a $14,750 grant from the Federal Home Loan Bank of Dallas (FHLB Dallas) made it possible. 

Stories

Tell Us Your Story

We'd love to hear from you! Tell us if you've been a recipient of funds from an FHLB Dallas program.

HAVEN funds are provided only through FHLB Dallas members. FHLB Dallas does not provide funds directly to consumers.

Member Requirements

  • Members are responsible for ensuring that households have a family income of 120 percent or less of the area median income (AMI) at the time the household is accepted for enrollment into the program by the member
  • 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 grant 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 evaluation report or Pre-Construction Evaluation Affidavit from a certified evaluator is required
  • A home is ineligible if it rests 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 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
  • The roof replacement and certification must be completed within 90 days of committed funds

For new homes, the following is required:

  • An identified FORTIFIED roof evaluator along with the cost of their evaluation
  • 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
  • The roof construction and certification must be completed within 180 days of committed funds

How It Works

FORTIFIED funds may only be accessed through a member institution. FHLB Dallas does not provide funds directly to consumers.

Here’s how to get started:

  1. Homeowners: Connect with an 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

Print and sign the applicable 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.

FORTIFIED is a voluntary construction and re-roofing program developed by the Insurance Institute for Business & Home Safety, after decades of research, to reduce the damage caused by severe weather. To qualify for FORTIFIED Fund grants, homes must meet the FORTIFIED Roof™ standard and earn a FORTIFIED Roof designation. This requires verification that the installation and materials meet the standard and have been documented by a certified FORTIFIED evaluator. For further assistance about the FORTIFIED building process, please contact Smart Home America at 855.742.7233.

FORTIFIED  The National Standard for Resilient Construction

FORTIFIED is a voluntary construction and re-roofing program developed by the Insurance Institute for Business & Home Safety, after decades of research, to reduce the damage caused by severe weather.

To qualify for FHLB Dallas FORTIFIED Fund grants, homes must meet the FORTIFIED Roof standard and earn a FORTIFIED Roof designation. This requires verification that the installation and materials meet the standard and have been documented by a certified FORTIFIED evaluator.

Note: Funds may only be accessed through a member institution. FHLB Dallas does not provide funds directly to consumers.

The materials below provide more detailed information regarding the FHLB Dallas FORTIFIED program.