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Housing Rehabilitation Program

Since 1981, NeighborWorks® Southern Mass has offered a housing rehabilitation and loan program to homeowners. Once a request is made; the household income is assessed. Following this assessment, the construction manager does a thorough inspection, work write-up, and cost estimate.

Loans are designed with varying interest rates and terms to meet the specific needs of the customer. There is a bidding process and the construction manager assists the owner throughout the rehab process. Funding for these loans comes from a variety of sources: Community Development Block Grant (CDBG), the Federal Department of Housing and Urban Development (HUD), the HOME program (a HUD funded program administered through the city of Quincy), NeighborWorks® America, State funds, foundation grants and financial institutions.

Objective: To eliminate substandard living conditions and to do home improvement on single and multi family units. Grants funds must be used to address sanitary code violations, energy conservation goals and incipient violations.

Interested in becoming a NWSOMA contractor?

Emergency Grants: Grants for income eligible clients to be used for such items as hot water heater, roofs, furnace, etc. Apply Now

Home Rehab and Improvement Loans: Are available for eligible homeowners with lower interest rates than conventional financing. Apply Now

MassHousing Home Improvement Loans: Are also available up to $25,000 with a lower interest rates than conventional financing. To apply, please call Elvira Caldeira, Homeownership Director. 


Elvira Caldeira headshot

Please contact Elvira Caldeira at 617-770-2227 x34

for eligibility and availability of funds in your area.



US Veteran Finds A Home

David Ortega is a retired sergeant and Iraq War veteran, Ortega lives with his wife and four children in a four-bedroom, single-family Quincy home that NeighborWorks® Southern Mass and the City of Quincy purchased and renovated for veterans’ housing in 2013. Before they moved in, David and his family were homeless. “As a veteran of Operation Enduring Freedom and Operation Iraqi Freedom, I am truly grateful for being able to provide my family with a safe and comfortable home,” Ortega said. “NeighborWorks® has just been awesome: My kids love the house, they have friends that sleep over and play in the backyard. It’s just been amazing. I could not ask for more.”
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