Home Improvement Loan Program

The waiting lists for the Home Improvement Loan and MHFA Rehab Loan Programs are currently closed.


The Home Improvement Loan Program assists low- and moderate-income homeowners with making repairs and improvements to their homes.

Home Improvement Loans are commonly used for:

  • Roof replacement
  • Furnace replacement
  • Electrical and plumbing repairs
  • Insulation
  • Improvements for special needs, such as ramps, bathroom or kitchen modifications

Home Improvement Loans feature:

  • Zero percent interest
  • No monthly payments
  • Repayable when ownership changes or you move from the property. You may be required to repay the loan if you refinance your home or take out a home equity loan.
  • $15,000 loan minimum; $35,000 loan limit

If you have questions about Home Improvement Loans call 651-675-4462.