Home Modification Loan Program

Franklin County Regional Housing and Redevelopment Authority

The Home Modification Loan Program (HMLP) is a loan program that was established in 1999 by the MA state legislature. HMLP funds give homeowners the opportunity 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 at 0%. Borrowers sign a promisorry note, and a mortgage is recorded as a lien against the property to secure these loans. HMLP can also lend from $1,000 to $30,000 to owners of manufactured or mobile homes. Landlords with fewer than 10 units may be eligible for a 3% loan for a tenant who has a functional limitation. Borrowers sign a promisorry note and a UCC-1 is filed against the home to secure these loans.

Please note that this is not a home repair program. For instance, HMLP would not be able to rebuild a deck without modifying it in some way. Projects funded by HMLP can include remps and lifts, bathroom and kitchen adaptations, sensory integration spaces, fencing, as well as accessory dwelling units. This is far from an exhaustive list. If you are curious or have questions, please contact Tana Bloom at 413-223-5211 or tbloom@fcrhra.org. There is also an informational video that provides an overview of the program that can be accessed via our website: Home Modification Loan Program (HMLP) – HRA