Home Modification Loan Program (HMLP)
Thank you for your interest in the Home Modification Loan Program. HMLP is a loan program for homeowners to modify or adapt their homes for a household member of any age with professionally documented limitation(s) or disability. HMLP offers loans from $1,000 to $50,000 to property owners. Borrowers sign a promissory note, and a mortgage is recorded as a lien against the property to secure these loans. HMLP also lends from $1,000 to $30,000 to owners of manufactured or mobile homes. Borrowers sign a promissory note and a UCC-1 filed against the home secure these loans.
Please read the brochure and the application guide carefully before completing this application.
In most cases, HMLP does not reimburse for completed work.
If you have any questions, or need assistance completing any part of the application, please do not hesitate to contact your provider agency.
• All of the information and documents requested in this application are necessary to determine your eligibility.
• Review the checklist on page 7 to make sure you have included all the necessary documentation with your application.
• The eligibility of your loan application cannot be determined until your chosen qualified contractor completes the Home Modification Loan Program Bid Form and Scope of Work Bid Form. This form is necessary to determine your loan amount and project eligibility.
• This program cannot assist with a home repair, roof, window, septic or heating system replacement. The modifications funded by HMLP must relate to the beneficiary’s functional limitation(s) and/or disability.
• Income and asset eligibility requirements are explained in the Frequently Asked Questions section below. The program uses the current gross household income when calculating income eligibility. And the primary heads of the household cannot have more than $175,000 in countable assets to be eligible for an HMLP loan.
• Reasonable accommodations will be provided as needed by the provider agency. If you need any assistance with the application, please let your provider agency know how they can be of assistance.