Lead Service Line Loan Application and Information

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The loan application is now available online. To view the full loan process, please review the LSLR Program Loan FAQ Infographic


Make sure you have the following documents ready to upload with your application:

  • Two (2) estimates with a scope of work for each estimate from plumbers who are on the list of prequalified plumbers.
  • Proof of ownership (Copy of Deed or Title Insurance Policy).
  • If applying for the low to moderate income loan option ($40/month for up to 10 years), please have a copy of your most recent tax returns ready to upload. We recommend you black out your SSN.

Frequently Asked Questions about the Lead Service Line Replacement (LSLR) Program Loan

Q: How do I apply for the loan to replace my private lead service line?Press here to read this information in Spanish
A: Complete the online application at cityofelgin.org/LSLR. 

Q: How long will it take to know if my loan application gets approved? 
A: You will be notified within 3-5 business days. 

Q: What happens after my loan application is approved?
A: Please review this infographic which explains the process in detail. 

Q: Do I need to hire a plumber to do the work?
A: Yes, you must hire an Illinois licensed plumber to do the work. In order to qualify for the loan, you must choose from the list of prequalified licensed plumbers on the City's website.

Q: Do I need a permit?
A: Yes. This type of work requires a permit from the City of Elgin. 

Q: How much does the permit cost?
A: The permit to replace your lead service line is $70. *Please note: each project and property are unique, and additional permits and fees may be required. Talk to your plumber to see if any additional permits may be required based on the scope of work for your project. The actual cost may vary depending on site-specific conditions.

Q: How is the loan amount calculated? What is the maximum loan?
A: You will need to obtain quotes from the list of prequalified plumbers. The lowest of the two quotes obtained will be the total loan amount so long as it does not exceed $4,800. Any quotes above $4,800 would require property owners to contribute the difference, paid directly to the plumber. 

Q: What are the anticipated costs of replacing my private lead service line through this loan program? What if I qualify for the low to moderate income loan?
A: Anticipated costs include the loan payments, permit fees and administration fees.
  • Loan payments: If approved for the loan, payments will be $80 per month for five (5) years or until less if the balance is paid off in advance. If approved for the low to moderate income loan, payments will be $40 per month for ten (10) years or until the balance is paid off in advance. These monthly loan payments will be added to your water bill.
  • Permit fees: A permit is required before work can begin. The permit fee is $70. In addition, after loan approval and inspections are completed.
  • Administrative fees: An administrative fee of $50 will also be included on your first water bill following the loan issuance. 
Q: When can I expect my first charge?
A: Once the work is complete and inspections have passed, the plumber must invoice the city. The city will pay the invoice directly to the plumber. Expect the first charge on your water bill within 30 days of the . Please note, your first charge will include both the loan payment amount as well as the one-time $50 administration fee. 

Q: Can I make additional payments?
A: Yes, you can make additional payments by check only. These payments must be made separately from your regular water bill payments. Make checks payable to "City of Elgin" and drop it off at City Hall or mail it to: City of Elgin, Attn: Finance Dept, 150 Dexter Ct, Elgin, IL 60120. Make sure the property address relative to the loan is listed on the check or otherwise noted with the payment.

Q: What happens if I miss a payment?
A: Owner's failure to make a loan installment by the date in which it is due shall constitute an adequate and sufficient basis to shut off and/or disconnect the owner's water and sewer service in accordance with the applicable provisions of Chapter 14.04 and 14.08 of the Elgin Municipal Code.