WHEDA Home Improvement Loan Program (HILP)

About This Program

The WHEDA Advantage Home Improvement Loan Program offers financing of $10,000–$50,000 for current Wisconsin homeowners needing repairs or improvements, even if they do not currently have a WHEDA mortgage. Qualifying projects include furnace replacement, roof repair, and adding square footage. Requires a 620+ credit score and a current, good-standing mortgage.

Low-interest loan $10,000–$50,000. Not a grant — repayment required. Estimate reflects a typical furnace + roof project.

Key Details

• Low-interest home improvement loan: $10,000–$50,000
• Does not require an existing WHEDA mortgage
• 620+ credit score and good mortgage payment history required
• Eligible work: furnace, roof, structural additions, major systems
• Apply through WHEDA-participating lenders statewide

How to Apply

Deadline: Rolling — through WHEDA participating lenders