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About the HMLP

Home Modification loans help people with disabilities and elders modify their home.

The state-funded Home Modification Loan Program provides loans to make modifications to the primary, permanent residence of elders, adults with disabilities, and families with children with disabilities. Such modifications allow people to remain in their homes and live more independently in their communities.

There are six agencies throughout the state that administer the program for MRC. The program lends money to homeowners who wish to start new modification projects.

Based on the household size and income limits, from $1,000 up to $50,000 (inclusive of all costs) may be borrowed by property owners, which is secured by a promissory note and a mortgage lien. Owners of manufactured or mobile homes may borrow from $1,000 up to $30,000. An HMLP loan may be obtained only one time per property.

All borrowers are eligible for a 0% interest, deferred payment loan. The loan will not require monthly payment and payment is required when the property is sold or has its title transferred. A landlord may be eligible for 3% amortizing loans. The loan requires monthly payments with full repayment required in 5 to 15 years, depending on the amount of the loan.

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