Through the efforts of the Massachusetts Rehabilitation Commission (MRC), the Home Modification Loan Program (HMLP) was established by the Massachusetts legislature in 1999. HMLP was created to provide loans in amounts between $1,000 and $30,000 for modifications to the primary, permanent residence of elders, and individuals with disabilities. These loans allow homeowners in Massachusetts to remain in their home and must specifically relate to a person in the household’s ability to function on a daily basis. The program is funded through a state-bond and the loan is secured by a mortgage in order to guaranty repayment. These repaid loan funds will be lent out to other borrowers in the future. You can find more information by viewing CEDAC's video below or visiting here.