Homeowner Loans

Homeowner Loans & Resources

NeighborWorks® Housing Solutions (NHS) has offered housing rehabilitation grants and loans to homeowners since 1981. These resources provide funding support to single and multi-family homeowners with specific and pressing needs such as eliminating substandard living conditions, removing lead, and modifying homes for people with disabilities. Emergency grants are used to address sanitary code violations, energy conservation goals, and incipient violations.

Please note: Each loan and/or emergency grant has specific and different requirements. We work with you to determine eligibility and the right loan or emergency grant program for you.

Woman signing contract

Home Rehab and Improvement Loans

Eligible homeowners can access rehab loans with lower interest rates than conventional financing. These loans provide capital for fixing things like stairs, porches, and decks. These loans are location specific. Contact our Lending department to learn more.

“Get the Lead Out’ Loans

This statewide loan program is designed to provide low-to-no-cost financing to owners of up to 1-4 family properties to remove lead paint and reduce the risks of lead poisoning. (Learn more about lead poisoning.)

Eligible applicants include owner occupied units, investor-owners (those who rent their property to income-eligible tenants), and nonprofit organizations. Loan amounts range from $30,000 to $45,000.

Download the “Get the Lead Out” Application.

Please submit completed applications by fax (617-770-2249) or mail to:

NeighborWorks® Housing Solutions
Attn: Lending
422 Washington Street
Quincy, MA 02169

City of Brockton Lead Program

The City of Brockton’s goal is to prevent childhood lead poisoning with target lead hazard control efforts in housing units where children are at a greater risk of lead poisoning.

Please submit completed applications by fax (617-770-2249) or mail to:

NeighborWorks® Housing Solutions
Attn: Lending
422 Washington Street
Quincy, MA 02169

Home Modification Loan Program (HMLP)

A loan program to provide home-modification funds to make the home accessible people with disabilities, for example, installing a wheelchair ramp, or a rail in a bathroom, or a stair lift chair.

Emergency Grants

Grants are available to income-eligible clients and are used for things such as: replacing hot water heaters, roof repair, furnaces, etc.

The Right Loan for the Right Reason

Loans are designed with varying interest rates and terms to meet the specific needs of the customer. Any home improvement loan will require a bidding process and the NHS-partnered construction manager will assist the owner throughout the rehab process.

Funding for these loans comes from a variety of sources: Community Development Block Grant (CDBG), the Federal Department of Housing and Urban Development (HUD), the City of Quincy’s HUD-funded HOME Program, NeighborWorks® America, MA state funds, foundation grants, and various financial institutions.