Home Improvement/Rehabilitation Lending   

Home Improvement Loan Overview

NHS of Baltimore offers a home improvement loan for low income Baltimore area residents, to assist with structural or appliance repair- such as roofing, plumbing, heating/air conditioning, window replacement, and energy efficiency, as well as other refurbishments. We want to make your home a safe and comfortable place to be.

Participants can receive a loan of up to $80,000, depending on the level of work needed for the home, with as little as 3 % interest. Qualified applicants will have the option of full payment deferment while they continue to live in the home.

Program Features:

• Technical advice on how to approach home improvement
• Written specifications for both small and large scale renovations
• Assistance with the contractor bid process
• Assurance the work is performed according to professional standards
• Special financing available to low income homeowners in Baltimore city and county
• Caring, personal counseling that walks you through the home improvement and loan process

Green Features:

• Energy efficient windows
• Rubberized roofing
• Low Volatile Organic Compound (VOC) paints
• Tankless water heaters
• Green heating system options
• Energy star appliances
• Compact fluorescent lighting
• Low flush toilets

Eligibility: To qualify, you must reside at or below 80% of the Area Median Income and live in Baltimore city (AMI)

For more information, call Robert Horton at 410-327-1200 Ext. 108