Upgrade Your Home for Aging in Place or Enhanced Accessibility

Make the changes you need to age in place in your home – or make your home safer and more accessible for a family member – with the Home Modification Loan Program (HMLP).

There are no monthly payments, no interest, and no credit checks – and it has generous income guidelines, making this one of the most accessible funding sources offered by the Commonwealth of Massachusetts.

We fund accessibility improvements for older adults and people with disabilities of all ages

Serving the towns of Agawam, Amherst, Chicopee, Holyoke, Northampton, Springfield, West Springfield, South Hadley, and Westfield

Robert Camacho and his parents and their HMLP project

Robert created a fully accessible bathroom so his parents could live safely with him in their shared home.

Read more about Robert and his parents

Child in sensory room HMLP

Diana created a sensory room for her son Gabe so he could have a safe space to decompress and feel comfortable.

Read more about Diana and Gabe

Home Modification Loan Program (HMLP)

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 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 if 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 stay in their home and must relate to a person in the household’s daily function.

This is not a general home repair or home improvement program.

State income guidelines for 2025:

Wondering what you can fund with a HMLP loan?

Barbara and Dan put a stairlift and accessible bathroom in their basement. Roberto, who cares for his aging parents in his home, installed an accessible shower and safer bathroom for them. See their stories below. General renovations such as painting, roof repairs, windows, etc., are not eligible for HMLP funding.

What are some examples of HMLP projects?

  • Ramp and lift installations
  • Kitchen and bathroom modifications
  • Hard wired alarm systems
  • Safety features
  • Therapy rooms

Can HMLP help if I have a manufactured or mobile home?

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.

Click here to take a short yes/no questionnaire and find out if you qualify. Income limits and other eligibility requirements must be met.

What are the loan terms?

HMLP loans are 0% interest and are only repaid when the property is transferred or sold. The program is funded through a state-bond and the loan is secured by a mortgage to guarantee repayment.

Our service area

If your property is in Agawam, Amherst, Chicopee, Holyoke, Northampton, Springfield, West Springfield, South Hadley, or Westfield contact us at 413-233-1615 or email homelending@wayfinders.org to learn more about this generous state program. Don’t see your town? If you live in Hampshire or Hampden County, visit the Valley CDC HMLP page – they likely cover your town.

The safe and accessible home you need is just a call or email away! Thinking of applying? Click here to watch the HMLP application tips video.

How to Apply
  1. Contact Way Finders
  2. Complete the HMLP Application. To download the application in Spanish, click here.
  3. Identify a qualified general contractor and complete the Bid.
  4. Complete loan documents.
  5. Begin construction.
Questions? Contact us by Email or Phone

Email: homelending@wayfinders.org
Phone: 413-233-1615