901HELP Memphis Home Empowerment Loan

City of Memphis HCD / LISC / Regions Bank

Available Home Repair

About This Program

901HELP Memphis Home Empowerment Loan is available to homeowners in Memphis, TN.

10-year low-interest (1.5%) home repair loans for low-to-moderate income Memphis homeowners. Covers roofs, HVAC, electrical, plumbing, windows, porches, lead and mold. Public-private partnership between City of Memphis, LISC, and Regions Bank. Credit score 560+ required.

Own and occupy 12+ months, credit 560+, income-eligible

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

Data last verified 2026-04-01. How we verify our data.

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

Key Details

  • $5,000, $25,000 at 1.5% interest, 10-year term
  • Covers roofs, HVAC, electrical, plumbing, windows, lead/mold
  • Credit score 560+ required; must own/occupy 12+ months
  • Apply through United Housing Inc. at Home901.org

How to Apply

Get free help applying Visit Official Program Page Track this program

901-272-1122

A grant-savvy contractor in Memphis, TN 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 Memphis 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: Rolling applications via United Housing Inc.

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 901HELP Memphis Home Empowerment Loan provide in Memphis, TN?

$5,000, $25,000 low-interest loan.

Who qualifies for 901HELP Memphis Home Empowerment Loan in Memphis?

901HELP Memphis Home Empowerment Loan is open to homeowners in Memphis, TN.

How do I apply for 901HELP Memphis Home Empowerment Loan in Memphis, TN?

Apply directly with City of Memphis HCD / LISC / Regions Bank using the official program link on this page or call 901-272-1122. 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 Memphis, TN contractors

Find More Programs in Memphis, TN

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

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