Home Modification Loan Program (HMLP)

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

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

How to Apply:

Step 1: Learn More About HMLP

Review the HMLP brochure to learn about the program’s eligibility requirements. An overview of the program is available in multiple languages.

Step 2: Complete the HMLP Application

Review the program’s information package. If you have questions, contact the HRA Housing Programs Assistant. Complete and submit all application documents as instructed.

Step 3: Identify a Qualified General Contractor

Applicants are responsible for finding, hiring and managing their chosen contractor. Although the program does not recommend specific contractors, if assistance is needed applicants can contact their regional provider.

Step 4: Loan Closing

Once the HMLP Application is complete, including the completed bid form by the chosen contractor, a program construction monitor will conduct an inspection with the homeowner and contractor. Next the applicant reviews and signs the loan documents.

Step 5: Construction Begins

Once the mortgage is recorded, project funds can be requested by the homeowner. Loan funds are disbursed in increments based on invoices submitted throughout the modification project.

Get Assistance:

If you need assistance/questions regarding HMLP and you live within Franklin county contact: Grafton Brown 413-223-5228, gbrown@fcrhra.org