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Home Improvement Loan

Oakland County's Home Improvement Loan program is designed to improve the condition of existing housing. With a no cost, deferred, no-interest loan, residents can:

  • Make needed repairs
  • Maintain or increase property value
  • Decrease utility costs
A qualified homeowner must own and live in the home, have a gross income that falls within the income guidelines and live in one of the 53 participating communities. A homeowner can obtain a loan for as much as $18,000 provided there is sufficient equity in the home. Our no-interest loan is deferred until the applicant no longer resides in the home. There are no other costs associated with this loan. State of Michigan licensed and insured residential builders complete all rehabilitation work.

When applicable, a lead based paint risk assessment is completed on homes built prior to 1978. Lead abatement work practices are required and work is performed by State of Michigan licensed lead abatement contractors.

Priority home improvements include repairs for purposes of health and safety, energy conservation, and structural preservation. Examples include: new roofs, windows, siding, doors, plumbing, electrical, heating, water heaters, water and sewer systems, kitchens, bathrooms, porches, barrier free access, wells, septic systems, and basement waterproofing.

Staff Assistance

Our staff offers efficient services throughout the home improvement process.
They are prepared to:
  • Determine program eligibility
  • Request bids from licensed and insured contractors
  • Assist in contractor selection
  • Monitor work during construction
  • Perform a final inspection to insure satisfactory completion
If you have a specific home improvement loan question and need to speak with a staff member, please contact our office at 248-858-0493
For more information, please phone 248-858-5401 or toll free 888-350-0900, ext. 85401.
Contractor Information

The Oakland County Community and Home Improvement Division has met the home improvement needs of thousands of low and moderate income homeowners for more than 30 years.

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