FHLB Dallas FORTIFIED Fund

FORTIFIED 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.

2024 Area Median Incomes

Income Calculation Tool

FHLB Dallas FORTIFIED Fund Grant Application

FORTIFIED Fund Affidavit