Polk County SHIP / Florida Housing Finance Corporation
State Housing Initiatives Partnership (SHIP) program providing forgivable loans for major home repairs to income-qualified owner-occupants in Polk County. Loan forgiven after 15 years of continued owner-occupancy.
Forgivable loan based on scope of repairs, no repayment if occupancy maintained 15 years
Data last verified 2026-06-09. How we verify our data.
A grant-savvy contractor in Lake Wales, FL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
You will likely need a contractor to apply
Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Lake Wales early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
Deadline: Applications accepted year-round, subject to funding
Ask us. It is free, and a real person answers within a business day.
Email us about this programGrant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
See All Programs