Home Modification Loan Program

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

Thumbnail image for a video on the home modification loan program. Click on the image to watch the video.
Step by Step: The Home Modification Loan Program

For more information, please call Susan Gillam at 1-866-500-5599.

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

Find out if you qualify

How to Apply

Click here to see our program materials in alternative formats and languages.

1. Learn More About HMLP

Review the HMLP brochure to learn about the program's eligibility requirements. An overview of the program, as well as contact information for the regional provider agencies, is available in multiple languages.

HMLP Brochure (English) »
HMLP Provider Agencies »

2. Complete the HMLP Application

Review the program's information package. If you have questions, contact your local provider agency. Complete and submit all application documents to the regional provider.

Communities Served by Providers »
HMLP Application (English) »

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.

HMLP Contractor FAQ (English) »
HMLP Bid Form »
Office of Consumer Affairs Guide to Home Improvement »

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.

Application Checklist »
Loan Terms (English) »

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.

Borrower Testimonials

Studio Apartment Conversion, Fitchburg

HMLP helped the DeRosa/Silva Family to modify their home to create a studio apartment with an accessible bathroom and entrance for their daughter Valeria, who has Cerebral Palsy and uses a wheelchair for mobility.

Bathroom Adaptation, Sandwich

The Dykeman family took out a HMLP loan for their son, John with Muscular Dystrophy, to better access his familiar surroundings. The modifications included reconfiguration of their downstairs space for better wheelchair accessibility. The family also transformed John’s living area to help meet his future needs and create a more independent space, with an accessible bathroom with a curbless shower, along with laminate flooring for ease of clean-up and additional storage and space for other medical equipment.

Accessible Entrance, Southampton

Ruth and Leonard Perrault learned about HMLP from the staff at the rehabilitation facility where Ruth was recovering from a recent amputation surgery. HMLP allowed them to completely remodel the existing bathroom and entrance to their home so it is wheelchair accessible. They describe the impact of these modifications as allowing Ruth to “feel less dependent on others” and has “significantly improved her spirits and outlook on life since the operation”.