Montana Housing Home Improvement Loan

Montana Housing (Montana Housing Finance Authority)

Available Home Repair

About This Program

Montana Housing Home Improvement Loan is available to homeowners in Helena, MT.

Affordable home improvement loans through Montana Housing and participating lenders. Available for repairs, renovations, energy efficiency upgrades, and accessibility modifications. Competitive interest rates for income-qualified borrowers. Can be combined with first mortgage or stand-alone.

Competitive rate loan for home improvements, rates vary by credit and income

Official source site checked live on 2026-06-22.

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

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

Key Details

  • Loans up to $50,000 for home improvements
  • Competitive interest rates
  • Available through participating lenders
  • Income limits apply
  • Can combine with mortgage financing

How to Apply

Get free help applying Visit Official Program Page Track this program

(406) 841-2840

A grant-savvy contractor in Helena, 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 Helena 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: Ongoing program 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 Montana Housing Home Improvement Loan provide in Helena, MT?

Loans up to $50,000.

Who qualifies for Montana Housing Home Improvement Loan in Helena?

Montana Housing Home Improvement Loan is open to homeowners in Helena, MT.

How do I apply for Montana Housing Home Improvement Loan in Helena, MT?

Apply directly with Montana Housing (Montana Housing Finance Authority) using the official program link on this page or call (406) 841-2840. 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 Helena, MT contractors

Find More Programs in Helena, MT

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

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