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Announcing CEDAC’s 2023 Annual Report

Today, CEDAC released our FY23 Annual Report, highlighting our most exciting and impactful projects of the past year that were completed alongside our non-profit community development partners in our ongoing efforts to create greater access to high quality affordable housing and child care across Massachusetts. In 2023, the Commonwealth achieved historic milestones in t...

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Did you know the Home Modification Loan Program could help fund an ADU?

BOSTON (August 9, 2023) – In INSITES this week: Making it easier for families to create and modify accessory dwelling units (ADUs) helps support a comprehensive approach to the affordable housing shortage in Massachusetts. The growth of ADUs is a solution that enables multigenerational living in households where an elder prefers their own space, but still wants or needs ...

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The Home Modification Loan Program Could Be Right for You

BOSTON (June 28, 2023) – In INSITES this week: The Home Modification Loan Program (HMLP), a state-funded loan program administered by CEDAC, the Massachusetts Rehabilitation Commission (MRC), the Executive Office of Housing and Livable Communities, and 10 regional agencies, helps Massachusetts households finance home accessibility improvements making it possible for indi...

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Announcing CEDAC’s 2022 Annual Report

CEDAC is thrilled to share our FY22 Annual Report, detailing recent projects and initiatives completed alongside our nonprofit community development partners in our ongoing efforts to create greater access to high quality affordable housing and child care across Massachusetts. In 2022, with the world beginning to once again look to the future after weathering the global...

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CEDAC Announces New Partners in Western Massachusetts to Expand Access to the Home Modification Loan Program

BOSTON (January 13, 2023) – In INSITES this week, CEDAC announced today that the Commonwealth of Massachusetts’ Home Modification Loan Program (HMLP) has reconfigured its “Western Massachusetts” area into four sub-regions in an effort to better reach and serve homeowners in these communities. HMLP is a state-funded loan program that provides no-interest loans to t...

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Accessory Dwelling Units Can Address Accessibility Needs for Families

Accessory Dwelling Units (ADUs) are an increasingly popular way for homeowners and communities to respond to the affordable housing crisis by increasing the supply of housing.  ADUs can also be used to address the accessibility needs for families. They provide an option for multiple generations of a family to live in closer proximity to one another while maintaining their...

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Perseverance and Resilience in a Time of Crisis: Announcing CEDAC’s 2020 Annual Report

CEDAC is excited to share our FY20 Annual Report, which highlights how we’ve helped our non-profit community partners continue to develop affordable housing and child care facilities across the Commonwealth. Despite the many hardships caused by the pandemic, the community development sector has demonstrated remarkable resiliency and perseverance in moving forward and sup...

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State-Funded Home Modification Loan Program Surpasses 3,000 Loans

The Home Modification Loan Program (HMLP) recently celebrated an important milestone, surpassing its 3,000th loan. As of June 30th, HMLP has committed a total of 3,195 loans. These loans have helped many Massachusetts residents make essential modifications to their houses that allow their household members with physical and cognitive limitations to remain at home. A sta...

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Happy Birthday, INSITES!

It’s hard to believe but CEDAC’s blog, INSITES, turns one year old this week.  We’ve been astounded by the positive response we’ve received from so many who are regular readers of the blog.  So thank you all for supporting us! First, we wanted to share where the name INSITES came from.  More than a year ago, when we were in the process of developing the blog,...

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Program Changes to Change Lives

  Home Modification Loan Program (HMLP) is a state-funded loan program first enacted by the Legislature in 1999 to assist homeowners and small landlords finance home accessibility improvements. The program funds modifications such as ramps and lifts, hardwired alarm systems, fencing, bathroom and kitchen adaptations, and the creation of sensory spaces and accessory...

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