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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.



Contact Me About Homeowner Lending

Elvira Caldeira

Rehab Client

Richard and his family have known the benefits of responsible homeownership for decades, they've lived in their home in Quincy for more than 40 years. But the need for a new roof and a remodeled bathroom were beyond their savings and a traditional loan payment wasn't within their budget. Through the NeighborWorks® Southern Mass rehab program, Richard's family was able to afford the necessary maintenance to keep their home in the beautiful condition they have always taken pride in. "It's good to know there's help there when you need it."
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