Today, CEDAC proudly released our 2024 Annual Report. The report highlights many of the impactful projects that we helped fund throughout the year. Through our collaborations with over 41 community-based partners and more than 20 funders, we provided $44.5 million in early-stage funding and technical assistance for projects that were creating or preserving over 2,300 un...
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The Home Modification Loan Program and ADUs
Jan. 21, 2025
Susan Gillam
Susan GillamAn accessory dwelling unit (ADU) project in Sandwich, Massachusetts that was completed through the Home Modification Loan Program (HMLP). Photo Credit: Andy Levine The Home Modification Loan Program (HMLP) is a valuable financial resource for qualifying Massachusetts homeowners. This state-funded program offers zero percent interest loans of up to $50,000 to a...
The Home Modification Loan Program in Berkshire County and Chicopee
Dec. 19, 2024Susan Gillam, HMLP & Macsonny Onyechefule, Seven Letter
Susan Gillam, HMLP & Macsonny Onyechefule, Seven LetterThe state’s Home Modification Loan Program (HMLP) continues to be a vital resource in helping seniors, homeowners with disabilities or family members with disabilities modify their homes to enhance accessibility. Since 1999, the program has provided over 3,000 households the financial assistance to implement modifications that improved quality of life and accessibility. ...
The Home Modification Loan Program Is A “Huge Untapped Resource” For The Berkshires
Nov. 26, 2024
The Berkshire Eagle
The Berkshire EagleThe Home Loan Modification Program is helping families across the Commonwealth enhance their properties’ accessibility. The story below from The Berkshire Eagle features a Williamstown couple that recently utilized the HMLP to help improve the home they purchased two years ago. Despite the significant benefits, the couple was only one of a few residents in Berkshire Co...
Announcing CEDAC’s 2023 Annual Report
Mar. 4, 2024
Roger Herzog
Roger HerzogToday, 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...
Did you know the Home Modification Loan Program could help fund an ADU?
Aug. 8, 2023
Susan Gillam, HMLP Project Manager
Susan Gillam, HMLP Project ManagerBOSTON (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 ...
The Home Modification Loan Program Could Be Right for You
Jun. 27, 2023Susan Gillam, HMLP Project Manager
Susan Gillam, HMLP Project ManagerBOSTON (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...
Announcing CEDAC’s 2022 Annual Report
Mar. 2, 2023Roger Herzog
Roger HerzogCEDAC 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...
CEDAC Announces New Partners in Western Massachusetts to Expand Access to the Home Modification Loan Program
Jan. 13, 2023Roger Herzog, Executive Director | Susan Gillam, HMLP Project Manager
Roger Herzog, Executive Director | Susan Gillam, HMLP Project ManagerBOSTON (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...
Perseverance and Resilience in a Time of Crisis: Announcing CEDAC’s 2020 Annual Report
May. 24, 2021Roger Herzog | 
Tess Carenbauer
Roger Herzog | Tess CarenbauerCEDAC 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...