Home Improvement Program

The Home Improvement Program provides loans for Cambridge homeowners with limited incomes. Our below-market-rate loans enable homeowners to add accessibility and other upgrades to their homes, age in place, and preserve the value of their asset for future generations. Together, HIP staff and the homeowner work to determine the project scope, identify the best funding strategy, and create a construction plan. 

The HIP program prioritizes projects that address health and safety concerns, increase accessibility, and improve energy efficiency. Examples of HIP projects include:

  • Accessibility features such as ramps.

  • Kitchen and bath renovations.

  • Upgrades to heating, electrical,
    and hot water systems.

  • Lead paint abatement.

"HRI has your best interests at heart and works with contractors who are licensed professionals, ensuring you get the best quality for your investment. HRI cares that your home is safe, up to code, and meets your desires for aesthetics."

— Tamara G. 

Cambridge Homeowner