Montana Housing Finance Authority Rehabilitation Loan

Montana Housing Finance Authority (MHFA)

Available Home Repair

About This Program

Low-interest loan program for homeowners needing major repairs or rehabilitation. Fixed interest rates below market rate, with terms up to 20 years. Property must meet MHFA guidelines and borrower must qualify.

Average loan amount for rehabilitation projects

Official source site checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Low-interest home rehabilitation loan
  • Up to $35,000 for major repairs
  • Fixed rate, 20-year maximum term
  • Income limits apply (typically up to 100% AMI)
  • Property must be owner-occupied

How to Apply

Get free help applying Visit Official Program Page Track this program

(406) 841-2840

A grant-savvy contractor in Polson, MT 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 Polson early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling, subject to fund availability

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