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Yes. Our Home Rehabilitation Loan Program is available to low and moderate-income people - seniors and others - who need to make repairs to their homes. Depending on the source of funds that we use to make the loan, it may be forgivable. In all cases, the loan is 0% interest, with no monthly payments, and doesn’t need to be paid back until you sell or refinance your home. Seniors may find this program especially helpful if they wish to stay in their homes but can’t afford to pay for the needed improvements. Special consideration is given for emergency needs such as a leaking roof or a non-functioning boiler (in the winter). Please see our application (PDF) and brochure (PDF) for more details on the program.