Program Criteria

Grants

For those that qualify, the International Fire Foundation Safehome® grant is available to secure a safe home environment with early preparation and repair with no repayment.

If the criteria is met, families and victims facing disaster requiring mitigation, reconstruction or rebuild will be able to apply for the Firesafe® grant, no repayment. Firesafe® grant applicants are encouraged to participate in the labor initiative, trading volunteer time supporting first responders, participating in fire education programs and providing sweat equity with volunteer relief for families in need; participation is voluntary and not required to partake in our programs.

Qualified applicants may opt in for repayment of the repair or rebuild grants at any time, whether taking fiscal responsibility or through voluntary labor initiative to help rebuild another home in the immediate area. Grant repayment and labor initiative are entirely voluntary.

If a safety or health hazard exists after disaster strikes, applicants may apply to have the risk mitigated by our community network through the Safehome® grant.

Loans

For lower risk population, the applicant may qualify for a no down payment, or low down payment, and no interest loans or low interest plans to help cover the cost of restoring the home, or building a new home.

For those that qualify for no interest loans, applicants may opt in to 1-3% interest to donate the funds toward the next family in need.

At any time, if the loan becomes a financial hardship, limits the families financial freedom or exceeds 40% of debt to income ratio, the loan will come under review. Entire goal of the program is restore the home, or build a new home that increases long term affordability and eliminates uninhabitable or dangerous conditions.

Sponsorship of charity, fundraisers, and events:

The Community Connection program is built to support our local organizations, partners, local community leaders, and/or victims, families, and first responders in affected areas.

The applications for charity, fundraisers and events will have requests from various applicants, the organization will review the request, approve in full, part or deny the request based on the type of event, amount requested and charity in question alignment with our organization's mission and values. The sponsorship will cover the startup costs to host the event, and shall be recovered by the organization through the funds raised if possible. The applicant may donate an additional 1-2% of raise funds back to the International Fire Foundation to support future charity, fundraisers and events or to rebuild a home for victims of disaster, applicant’s preferred choice.

The International Fire Foundation may choose to engage or be requested as the fiscal sponsor of the event if our mission and values align with the event activities.

First Responder Collaboration

The International Fire Foundation can be a local community partner to support your community event. As a 501(c)(3) non-profit, we offer fiscal sponsorship for fundraising events that align with our mission and values. Applicants may host charity events or accept donations without the burden of establishing your own non-profit organization or separate fire foundation and still reap all the benefits of tax exemption for your community patrons. Work with your local  International Fire Foundation community leader or organize your own event – either way, your supporters will enjoy the tax benefits of contributing to a registered non-profit and supporting your event. Together, let's build a stronger, safer community!

Emergency Hazard Mitigation

The last component of the community connection program is emergency hazard mitigation. Our trusted network of local community leaders will identify, verify and mitigate immediate life safety hazards that impact communities worldwide.

Examples of emergency hazards are downed trees, objects, disaster impacted homes, structures and other objects; open and unsecure structures; wildfire damaged property and structure fire damaged property.

City/County Partnerships

The City or County of an affected area may engage with the International Fire Foundation to support their emergency response agencies to secure structures after disaster strikes to limit risk and liability for the city, and eliminate injury for the affected community. Incorporated or unincorporated areas may engage in monthly or annual contributions to mitigate emergency hazards within their jurisdiction.

Fiscal Sponsorship:

Contractors within our partner program may apply for fiscal sponsorship to receive additional funding for disaster projects in their affected community.

Application Criteria

The applied application system is used to select eligibility of affected applicants to rebuild their home with grant or loan assistance from the International Fire Foundation:

High Risk Populations

High Risk Priority: All high risk populations are given priority for our programs across Rebuild, Upgrade and Community Connection.

Eligibility Criteria for Grants

Home-ownership status: The applicant must own the home that was damaged or destroyed; and be the primary residence.

Insurance status: The applicant may be insured, uninsured, under-insured, or had a lapse in coverage at the time of the disaster. Insured applicants may still be eligible and apply.

Income: Must display immediate need for assistance or financial disparity. Insured applicants may apply regardless, non-applicable.

Assets: The applicant's assets must be below a $1,000,000 aggregate. Insured applicants may apply regardless, non-applicable.

Need: The applicant must demonstrate a need for grant or loan assistance. This could be due to the severity of the damage to their home, their financial or family situation, or other factors. Determined on a case by case basis.

Timeline: Within twelve (12) months of initial incident, applicants beyond one (1) year may still apply for consideration.

Eligibility Criteria for Loans

Home-ownership status: The applicant must own the home that was damaged or destroyed; and be the primary residence.

Income: The applicant's income above $15,000.

Assets: The applicant's assets must be above $20,000.

Credit score: The applicant must have a minimum credit score and meet standard loan criteria.

Debt-to-income ratio: The applicant's debt-to-income ratio must be below a certain threshold to ensure the family does not over-leverage their position or take on unnecessary financial hardship/risk.

Timeline: Within twelve (12) months of initial incident, applicants beyond one (1) year may still apply for consideration.

Grants | Loans

Community

Connection

Eligibility

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white and red wooden house beside grey framed magnifying glass
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red and white coca cola signage

Application Criteria

Grant and Loan Applicants

Uninsured: The applicant must not have homeowners insurance. Candidate for full grant or loan.

Under-insured: The applicant's homeowners insurance policy must not have covered the full cost of rebuilding their home; ideal candidates for a small loan, no down payment, 0% or minimal interest repayment or partial grant.

Lapse in coverage: The applicant's homeowners insurance policy must have lapsed at the time of the disaster. May be a candidate for full grant or loan, depending on coverage of the carrier.

Insured: The applicant may qualify for a grant, loan or insured rebuild depending on situation.

Favorable Terms for Loan Applicants

Low interest rate: The loan will have a low interest rate, making it more affordable for the borrower to repay.

Long repayment term: The loan will have a long repayment term, giving the borrower more time to repay the loan.

No down payment: The loan will not require a down payment, making it more accessible to borrowers with limited financial resources.

Reasonable Installment Plan for Loan Applicants

The installment plan should be based on the borrower's income, debt-to-income ratio, and liabilities. The goal is to create an installment plan that is affordable for the borrower and that will allow them to repay the loan in a timely manner without unduly forcing them into financial hardship.

Repayment Plan for Grant Applicants

The repayment plan for grant applicants shall only be triggered if and when a home-owner that has benefited from the program chooses to sell the property for profit, repayment based on the grantee's income, debt-to-income ratio, and liabilities.

Program Protections

To prevent fraud and protect program funds, the International Fire Foundation has established a network of corporate partners that will perform the work, and invoice our organization directly to ensure no misuse of funds or material diversion of assets is presented to the grant or loan recipient.

Criteria and Terms

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white paper on brown folder beside silver laptop computer

Application Flowpath: What Next?

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people sitting down near table with assorted laptop computers
Application

Create and submit application for consideration

Due Diligence

Review and evaluation of application

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black and white photo of people going upstairs
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a camera sitting on top of a brown suitcase
Interview | Open Case

Conduct interview with selected applicants, first responders, local community leaders, neighborhood to gain a full picture.

Verify damage (if applicable) and due diligence documentation, create scope of work and begin operation review.

Case Selection: Finalize budget, approve scope of work, secure permits, execute rebuild/upgrade plan.

Connect all volunteer, local organizations, community and corporate partnerships and agencies working on the project to develop unified command.

Project Execution
Media Campaign

Campaign to support affected families

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silver and white round analog clock
white and red wooden house miniature on brown table
white and red wooden house miniature on brown table
Review Project Milestones

Review budget constraints, timeline, and operational functions as project hits projected milestones.

Rebuild Projects: 3 months - 1 year on average for the entire process

Upgrade Projects : 1 week - 1 month on average, depending on complexity

Emergency Hazard Mitigation : Immediate, day of or relative speed, depending on complexity of disaster or environment.

Project Completion

Reveal project to affected family.

Establish dedication and memorial pieces.

Capture the families' unheard story of recovery.

Allow safe home applicants to thrive in a rebuilt home, with a connected community and access to all International Fire Foundation resources for a better tomorrow.