Helping children, elderly, and other disabled individuals thrive.
Home Modification Loan Program (HMLP) is a state funded program that helps Massachusetts residents live more independently at home. It has very broad income eligibility requirements, making the program accessible to most applicants.
HMLP provides 0% interest loans in amounts between $1,000 and $50,000 to homeowners and small landlords for modifications to the primary, permanent residence of elders, individuals with disabilities, and families of children with disabilities. There are no monthly payments - loans are paid back when the property is sold or transferred.
Loan funds may be used for accessibility improvements like ramps and lifts, accessible bathrooms, accessory dwelling units, sensory or therapy rooms, kitchen adaptations and more. HMLP loans allow homeowners in Massachusetts to remain in their home and must specifically relate to a person in the household’s ability to function on a daily basis.
Loan funds may NOT be used for general home repairs.
Read how Barbara and Dan put a stairlift and accessible bathroom in their basement, or how Roberto, who cares for his aging parents in his home, installed an accessible shower and safer bathroom for them.
Towns that Way Finders serves:
Way Finders is the provider agency for the following communities: Agawam, Amherst, Chicopee, Holyoke, Northampton, Springfield, West Springfield, South Hadley, and Westfield. If you currently reside in one of these communities, contact us at 413-233-1615 or email homeownership@wayfinders.org.
Yes! HMLP also lends from $1,000 to $30,000 secured by a promissory note and security agreement to individuals who own manufactured or mobile homes.
The program is funded through a state-bond and the loan is secured by a mortgage in order to guaranty repayment. There are no monthly payments. Loans are repaid when the property is transferred or sold. These repaid loan funds will be lent out to other borrowers in the future.
