FHA Title I Home Improvement Loan

About This Program

FHA Title I loans are federally insured home improvement loans available to homeowners who may not have sufficient equity for a conventional loan. Loans up to $25,000 are available for single-family homes with terms up to 20 years, and no minimum credit score is required. Eligible improvements must be permanent and substantially protect or improve the basic livability or utility of the property. Jacksonville Housing Services maintains an updated list of approved local lenders.

Not a grant — a federally insured loan at market rates; no minimum credit score but credit check required; must have occupied home 90+ days

Key Details

• FHA-insured loan — not a grant; market interest rate applies
• Up to $25,000 for single-family homes over up to 20 years
• No minimum credit score; no home equity required
• Must occupy home as primary residence for 90+ days before applying
• Call 1-800-CALL-FHA (800-225-5342) or ask Jacksonville Housing Services for local lender list

How to Apply

Deadline: Rolling — apply through FHA-approved lenders; contact Jacksonville Housing Services for lender list