AHFA Moratorium Interest Program (MIP)

Alabama Housing Finance Authority

Available Home Repair

About This Program

AHFA Moratorium Interest Program (MIP) is available to homeowners in Mobile, AL.

Zero-percent interest loan for low-income Alabama homeowners to make critical home repairs. No payments for 15 years; if homeowner remains in home for 15 years, loan is forgiven. Available in Mobile County.

0% interest loan forgiven after 15 years of continued occupancy

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

Data last verified 2026-05-25. How we verify our data.

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

Key Details

  • 0% interest loan up to $30,000
  • No payments for 15 years
  • Loan forgiven if you stay in home 15 years
  • Income at or below 80% AMI required
  • Available for critical home repairs

How to Apply

Get free help applying Visit Official Program Page Track this program

(334) 244-9200

A grant-savvy contractor in Mobile, AL 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 Mobile early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

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).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • 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: Applications accepted while funds available

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 AHFA Moratorium Interest Program (MIP) provide in Mobile, AL?

0% interest loan up to $30,000.

Who qualifies for AHFA Moratorium Interest Program (MIP) in Mobile?

AHFA Moratorium Interest Program (MIP) is open to homeowners in Mobile, AL. It prioritizes low-income households.

How do I apply for AHFA Moratorium Interest Program (MIP) in Mobile, AL?

Apply directly with Alabama Housing Finance Authority using the official program link on this page or call (334) 244-9200. There is no middleman and no fee.

Need a Contractor for This Grant?

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Find More Programs in Mobile, AL

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