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Qualified homeowners may receive interest-free loans of up to $23,000 to make needed home repairs. There are NO monthly payments and the total loan is due and payable only when you no longer live in your home. This is not an emergency repair program. Oakland County staff assist with the process from applying for the loan to overseeing all repair work and paying pre-screened contractors.

To qualify, you must:

• Own and live in your own home in Oakland County (the  do not participate in the program).
• Meet gross household income limits set by the federal government Income Limits (update annually in July for the year).
• Repairs must result in the home being decent, safe and sanitary.

Repairs may include:

• Barrier-free access
• Basement waterproofing
• Bathroom
• Chimney
• Door
• Electrical system
• Heating system
• Insulation
• Kitchen
• Plumbing
• Porch
• Roof
• Septic system
• Siding
• Structural defect
• Water and sewer line
• Well
• Window

The Home Improvement Program serves residents in the County of Oakland, MI. The following cities do not participate in the program:

• City of Lake Angelus
• Novi Township
• Pontiac
• Southfield Township
• Waterford Township
• Village of Bingham Farms