MassHousing Home Improvement Loan

MassHousing

Available Home Repair

About This Program

MassHousing Home Improvement Loan is available to homeowners in Gardner, MA.

Low-interest home improvement loans for Gardner homeowners. Funds can be used for repairs, renovations, additions, accessibility improvements, and energy efficiency upgrades. Terms up to 15 years.

Loan amount based on improvement cost and equity; competitive rates

Verified against MassHousing's official page on 2026-06-17.

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

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

Key Details

  • Loans up to $75,000 for home improvements
  • Low interest rates, terms up to 15 years
  • Covers repairs, renovations, additions
  • No minimum credit score
  • Available to all Gardner homeowners

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 882-1870

A grant-savvy contractor in Gardner, 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 Gardner 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

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

  1. Confirm you own and occupy the Massachusetts home and your household income is within the limit (136,200 dollars).
  2. Plan your improvements and get contractor estimates.
  3. Contact a HILP participating lender serving your community (listed on the MassHousing website).
  4. Complete the lender's application and close the fixed-rate home improvement loan.
Get the official form

Documents you will likely need

  • Proof you own and occupy the home.
  • Proof of household income (within 136,200 dollars).
  • Contractor estimates for the planned improvements.
  • The lender's loan application and your credit information.
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: Ongoing

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 MassHousing Home Improvement Loan provide in Gardner, MA?

Up to $50,000.

Who qualifies for MassHousing Home Improvement Loan in Gardner?

MassHousing Home Improvement Loan is open to homeowners in Gardner, MA. It has no income limit.

How do I apply for MassHousing Home Improvement Loan in Gardner, MA?

Apply directly with MassHousing using the official program link on this page or call (800) 882-1870. 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 Gardner, MA contractors

Find More Programs in Gardner, MA

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

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