Massachusetts Home Modification Loan Program (HMLP)

MassHousing

Available Senior & Disability

About This Program

Massachusetts Home Modification Loan Program (HMLP) is available to homeowners in Andover, MA.

Low-interest loans for accessibility modifications in Andover homes for residents with disabilities or seniors aging in place. Covers ramps, stairlifts, widened doorways, accessible bathrooms, and other modifications. Income limits apply.

Typical accessibility modification loan for bathroom and entrance modifications

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

In Andover, MA, you can combine this program with other local help to cut your cost:

Key Details

  • Low-interest loans up to $30,000 for accessibility modifications
  • For homeowners with disabilities or seniors aging in place
  • Covers ramps, stairlifts, widened doorways, accessible bathrooms
  • Income limits apply, vary by household size
  • Available through MassHousing-approved lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 882-1154

A grant-savvy contractor in Andover, 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 Andover 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).
  • Proof of age (driver's license or birth certificate) if the program is age-based.
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • 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: Year-round through participating lenders

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Massachusetts Home Modification Loan Program (HMLP) provide in Andover, MA?

Loans up to $30,000.

Who qualifies for Massachusetts Home Modification Loan Program (HMLP) in Andover?

Massachusetts Home Modification Loan Program (HMLP) is open to homeowners in Andover, MA. It serves seniors.

How do I apply for Massachusetts Home Modification Loan Program (HMLP) in Andover, MA?

Apply directly with MassHousing using the official program link on this page or call (800) 882-1154. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Andover, MA contractors

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This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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