MassHousing
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
Official source site checked live on 2026-06-17.
Data last verified 2026-06-09. How we verify our data.
A grant-savvy contractor in Southbridge, MA 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 Southbridge early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
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
Documents you will likely need
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: Ongoing program
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.
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