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

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Make your home accessible!

No interest - No payments - No credit check!

Home Modification Loan Program

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).

If you earn less than $237,600 for a household of two, you qualify for this 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 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 remain in their home and must specifically relate to a person in the household’s ability to function on a daily basis. 

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.

Loan funds may NOT be used for general home repairs.

If you live in Agawam, Amherst, Chicopee, Holyoke, Northampton, Springfield, West Springfield, South Hadley, or Westfield contact us at 413-233-1615 or email to learn more about this generous state program. 

The safe and accessible home you need is just a call or email away! 

Click here to take a short yes/no questionnaire and find out if you qualify. (Spoiler alert, you probably do!)

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

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