HRA administers deferred payment housing rehabilitation loans on behalf of many of the municipalities of Franklin County. 

These loans provide an affordable means for homeowners to bring their homes into compliance with building codes, perform needed repairs and weatherize their homes.


Eligibility for the housing rehabilitation program is determined by income. Eligible applicants who qualify for a full loan could receive a maximum of $35,000 depending on the severity of the building code violations on the property. Please contact us at 413-863-9781 x 137 or This email address is being protected from spambots. You need JavaScript enabled to view it. for a list of current income limits for participation in our housing rehabilitation programs.

No-interest, deferred payment loans

Housing rehabilitation loans are secured by a zero-interest, deferred-payment mortgage recorded against the property to be improved. No-interest means that the amount that is borrowed is the amount that is payed back. In other words, no interest is added over the life of the loan. Deferred payment means that the homeowner will have no monthly loan payment. The amount loaned is secured by a mortgage placed on the property and the loan amount is due upon the sale or transfer of the property.

Items that may be addressed through this program include but are not limited to:

  • Bathroom repair
  • Joists
  • Burner/furnace replacement
  • Painting
  • Carpentry
  • Plumbing
  • Chimneys
  • Pumps
  • Ceiling/wall repair
  • Doors 
  • Septic Systems
  • Sill Work
  • Electrical work
  • Sheetrock
  • Storm Windows
  • Floors
  • Foundation repair
  • Roofs 
  • Insulation/Ventilation
  • Wells
  • Windows and MUCH MORE!!!!


If you're interested in applying for a housing rehabilitation loan, please fill out our waiting list form and return it to the attention of Jen Morrow at the Franklin County Regional Housing and Redevelopment Authority, 42 Canal Road, Turners Falls, MA 01376.