MassHousing Home Improvement Loan

MassHousing

Available Home Repair

About This Program

The Grant Map catalogs MassHousing Home Improvement Loan in its Southbridge, MA research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.

Below-market-rate home improvement loans through MassHousing-approved lenders for repairs and renovations. Fixed interest rates typically 1-2% below conventional loans. Can be combined with MassHousing first mortgage or used standalone.

Below-market loan rate; typical 10-year loan for major home improvements

The cited general URL responded on 2026-07-21; it does not confirm this program or amount.

Record set last reviewed 2026-06-09. How we verify our data.

Other published resources for Southbridge, MA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:

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Key Details

Loans up to $50,000 at below-market rates
Fixed interest rates 1-2% below conventional
Income at or below 135% area median
Use approved MassHousing lenders
Can combine with MassHousing mortgage

How to Apply

Review possible next steps Open Cited Source Track this program

Program phone: (800) 882-1154

Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.

You may need a contractor or estimate

Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Southbridge.

Get matched with a contractor

Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.

Your application paperwork

The MassHousing Home Improvement Loan Program (HILP) offers affordable, fixed-rate loans to help Massachusetts homeowners repair, renovate, improve safety or energy efficiency, or make a home accessible. You apply through a participating lender in your community; the maximum household income is 136,200 dollars.

Steps to apply

Confirm you own and occupy the Massachusetts home and your household income is within the limit (136,200 dollars).
Plan your improvements and get contractor estimates.
Contact a HILP participating lender serving your community (listed on the MassHousing website).
Complete the lender's application and close the fixed-rate home improvement loan.

Get the official form

Documents you will likely need

Proof you own and occupy the home.
Proof of household income (within 136,200 dollars).
Contractor estimates for the planned improvements.
The lender's loan application and your credit information.

Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing program

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Frequently asked questions

What amount is listed for MassHousing Home Improvement Loan in Southbridge, MA?

The Grant Map record states: Loans up to $50,000. Confirm the current amount and eligible costs with the administrator.

What audience tags are recorded for MassHousing Home Improvement Loan in Southbridge?

The directory record carries audience tags for homeowners. These tags do not establish eligibility; confirm the complete current rules with the administrator.

How do I apply for MassHousing Home Improvement Loan in Southbridge, MA?

Confirm the application route directly with MassHousing; use the cited source on this page as a starting point or call (800) 882-1154. Confirm any fee or cost with the administrator.

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