Home Modification Loan Program (HMLP)

Over the past 20 years, the Home Modification Loan Program (HMLP) has helped over 3,000 households finance home accessibility improvements to make it possible for individuals with disabilities and older adults to remain in their own homes and communities.

Step by Step: The Home Modification Loan Program

For more information, please call Susan Gillam at 1-866-500-5599.

Established by the Massachusetts Legislature in 1999, HMLP is a state funded loan program that provides financing to homeowners and small landlords for necessary home modifications such as:

• Ramps and lifts
• Kitchen and bathroom adaptations
• Sensory integration spaces
• Fencing
• Hand rails
• Brighter lighting
• Widening of doorways
• Flooring renovations
• Creation of additional living space, including accessory dwelling units or in-law apartments

LOAN INFORMATION

• Loans up to $50,000 for property owners and $30,000 for owners of manufactured or mobile homes
• 0% interest rate
• No monthly payments required
• Repayment is required when the property is sold or transferred
• Landlords with fewer than 10 units may be eligible for a 3% interest rate loan for a tenant

See if you qualify -- follow this link to the Community Economic Development Assistance Corporation (CEDAC) website. https://cedac.org/hmlp/ 

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