IMPORTANT: The Commonwealth of Massachusetts has changed the application process for emergency rental and mortgage assistance! Click here to learn more.

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. 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.

Wondering what you CAN fund with a HMLP loan?

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

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.  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.

Contact us

Contact us by email or phone:


phone: 413-233-1615