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Loans for Homeowners

If you already own your home, MassHousing offers a number of affordable loan programs for you.

MassHousing Refinance Loans

Refinance your mortgage and save with a safe, stable and affordable MassHousing Refinance loan.

Home Improvement Loan Program

Make general repairs to your home using an affordable HILP loan.

Get the Lead Out

Remove hazardous lead paint with a low- or no-interest Get the Lead Out loan.

Septic System Repair Loans

Repair or replace a failing or noncompliant septic system with an affordable Septic Repair Loan.

Quick Links

Interest Rates

Pts Rate
Home Improvement
0 5%
Lead Paint Removal
0 0%, 2% or 5%*
*depending on borrower
Septic System Repair
0 0%, 3%, 5%**
**depending on income