Grants directory
Home Enhancement Loan Program (HELP)
Participating banks (including KeyBank) · County program
Loans from $3,000 up to $200,000; multi-family maximum is the lesser of $200,000 or $20,000 per unit; interest at least 3% below market.
Participating banks offer low-interest home improvement loans for alterations, repairs, maintenance, improvements, code upgrades, and property upgrades. Interest is at least 3% below market rate, with loans from $3,000 up to $200,000 for one- and two-family homes.
Program details
How it works
The Home Enhancement Loan Program (HELP) provides low-interest loans to property owners for home improvements. The page says the loans can be used for alterations, repairs, maintenance, improvements, code violation upgrades, and property upgrades.
What the money covers
Eligible uses listed on the page include:
- Alterations
- Repairs
- Maintenance
- Improvements
- Code violation upgrades
- Property upgrades
Amounts and terms
- Interest rates are no less than 3% below market rate.
- Minimum loan amount is $3,000.
- Maximum loan amount is $200,000 for one- and two-family dwellings.
- For multi-family dwellings, the maximum is the lesser of $200,000 or $20,000 per unit.
- Repayment terms vary based on the value of the loan.
How it works with property type
- One-, two-, and multi-family dwellings are eligible.
- One- and two-family dwellings cannot be valued greater than $250,000.
- Multi-family dwellings are eligible regardless of market value.
Timing and status
The page describes HELP as available through participating banks and does not provide a deadline or closing date.
Full eligibility details
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