Home Modifications Loan Program (HMLP)

Home Modifications Loan Program (HMLP) is sponsored by Massachusetts Rehabilitation Commission. The Home Modification Loan Program (HMLP) is specifically designed to assist homeowners with disabilities, or parents of children with disabilities, in Massachusetts.

Home Modification Loan Program (HMLP) | RCAP Solutions Live more safely at home! The Home Modification Loan Program (HMLP) provides 0% interest loans up to $50,000 to make homes more accessible.

The Home Modification Loan Program (HMLP) is a state-funded lending program that provides no-interest loans to homeowners to fund necessary changes to keep themselves or a family member with a disability or mobility impairment living comfortably in their own home. The program has generous income guidelines and allows for accessibility renovations based on the household member’s medical need.

This program can benefit anyone in the house who has a disability or mobility impairment; the homeowner themself, their child, or an elderly family member. Loans can range from $1,000 to $50,000 are based on medical need and income eligibility. RCAP Solutions administers this program to Central Massachusetts residents in collaboration with MassAbility and the Community Economic Development Assistance Corporation (CEDAC) .

HMLP for Homeowners & Family Members Complete the HMLP Application: English | Spanish Identify a qualified general contractor and complete the bid form Possible Home Modifications Ramps, stair lifts, and platform lifts Accessible bathroom and kitchen modifications Sensory or therapy spaces Can modifications be made to a mobile home?

Yes, HMLP also lends $1,000 to $30,000 loans to owners of manufactured or mobile homes, secured by a promissory note and security agreement. Are these loans repayable? Repayment is required when property is sold or when the property’s title is changed.

There are no required monthly payments and no interest.

Information for Landlords Landlords with less than 10 units may apply for a loan at 3% interest Loans range from $1,000 to $50,000 Landlords renting to family member with disabilities may qualify for a 0% Deferred Loan with a one-time payment In most cases, homeowners who rent units to disabled family members are eligible Benefits of HMLP for Landlords Ensures stable tenancy/decreased vacancy rates Reduces tenant turnover and improves the stability of your property Increases the pool of tenants who might rent from you in the future Makes unit desirable to individuals with disabilities, families with disabled children, and the elderly Examples of Modifications Home Modification Loan Program Website : Includes information on eligibility guidelines, types of loans available, the loan process, and other helpful information.

HMLP Application: English | Spanish HMLP Brochure: English | Spanish Click here for a list of qualified contractors in the Central Massachusetts area. HMLP Resources for Contractors HMLP Information for Contractors Website : This site is specifically designed for construction contractors working with homeowners who have secured financing through the Massachusetts Home Modification Loan Program (HMLP).

FAQs for General Contractors : This is a document to help answer questions general contractors often have. HMLP Bid Form : This form must be completed by a licensed and insured contractor (the “Contractor”) and signed by both the Contractor and the homeowner. The document is important for the homeowner’s HMLP loan application for project funding.

Have questions? Looking for assistance? If you have any questions or are interested in learning more about these services, please contact us via email: homemodloan@rcapsolutions.

org or phone: (978) 630-6725 Home Modification Loan Program (HMLP) Helps Family Members With Disabilities Live Safely in Their Own Houses This video features an uplifting testimonial from a Home Modification Loan Program (HMLP) borrower.

🚨 Important Notice Regarding Change in Office Hours 🚨 Our Housing Consumer Education Center (HCEC) is available via phone and email Monday through Friday from 8:30 AM – 4:30 PM (closed from 12:00 PM – 1:00 PM for lunch). In‑person appointments are offered on Mondays, Tuesdays, and Thursdays. The Subsidized Housing & Rental Assistance (Section 8/voucher programs) department is closed to the public on Fridays.

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