Income-eligible homeowners residing in Lolo, El Mar, Lewis and Clark, and Sunset West RSID boundaries who are facing an unexpected water or sewer line repair expense can contact their RSID Operations Manager to apply for a loan to cover repair costs. The application is submitted to Missoula County Grants and Community Resource Department for verification of eligibility. Missoula County will notify the homeowner of their eligibility and provide further instructions.  

Once approved, the homeowner contacts at least two contractors to obtain quotes. The contractor with the lowest responsible quote is then selected to complete the repair work and the homeowner enters into a loan agreement with the county for the amount quoted.  

Once the work is completed, the RSID Operations Manager and homeowner verify the work was done to their satisfaction. The contractor sends the invoice to Missoula County for payment. 

For those in the Lolo RSID boundary, go here for more information. Or contact: 

Jasen Neese, Lolo RSID 8901 Operations Manager
406-544-1458 or 406-273-2733 

For those in the El Mar, Lewis and Clark or Sunset West RSID boundaries, go here for more information. Or contact: 

Greg Evison, RSIDs 8916, 8918 and 8925 Operations Manager 
406-396-9453 

Eligibility criteria

• Must provide income verification
• Must meet annual U.S. Department of Housing and Urban Development (HUD) income limits of 80% or less of median income
• Must be owner and occupy residence
• Must maintain homeowner’s insurance on the property
• Must reside within a participating RSID boundary: Lolo (8901), El Mar (8916), Lewis and Clark (8918) and Sunset West 8925)

Terms and conditions of the loan

• Deferred until the property is sold or transferred to another party
• One-percent simple interest (e.g., a $2,000 loan would accrue $20 per year in interest)
• Loan secured with lien on property in the amount and duration of the loan
• Owner agrees to use the property as primary residence
• Can pay off loan prior to property transfer
• There are no upfront costs to the homeowner