Live comfortably at home

Helping children, elderly, and other disabled individuals thrive.

Home Modification Loan Program

Home Modification Loan Program (HMLP) is a state funded program that helps Massachusetts residents live more independently at home.

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. 

These 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. 

Speak with our Home Modification Loan Specialist

Contact us at 413-233-1615 or complete the contact form below. 

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

What are some examples of modifications with which HMLP can assist?

  • 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. 

Are these loans repayable?

The program is funded through a state-bond and the loan is secured by a mortgage in order to guaranty repayment. These repaid loan funds will be lent out to other borrowers in the future.

Contact us

Complete the form below and within 3 business days we will contact you to learn more about your project and discuss how the program may help.