Massachusetts Home Modification Loan Program (HMLP)
What is the Home Modification Loan Program (HMLP)?
The Massachusetts Home Modification Loan Program (HMLP) provides funding to homeowners for necessary modifications or adaptations that allow household members to function safely and independently. These upgrades can include accessibility features, bathroom and kitchen modifications, ramps, lifts, and other permanent adaptive designs.
Learn more about contractor requirements and funding through the official HMLP site: https://cedac.org/hmlp/
Reliable Roofing, Siding, and Windows: HMLP Project Expertise
Reliable Roofing, Siding, and Windows specializes in guiding homeowners through HMLP-funded projects. From in-law home additions to conventional home additions, our team ensures compliance, quality craftsmanship, and timely completion.
We also provide expert consultation for ADUs in Massachusetts and accessory dwelling units under the HMLP program.
Our services include new installations, accessibility upgrades, and multigenerational living solutions. Check out our conventional home addition services here: Residential Home Addition Services.
How Contractors Participate in HMLP
All HMLP projects must be completed by licensed and insured contractors. Reliable Roofing, Siding, and Windows manages contractor compliance, permit acquisition, and registration, ensuring homeowners receive full program benefits.
Contractors complete forms covering project scope, bids, and specialized modifications such as:
- Ramps, lifts, and elevators
- Exterior modifications
- Bathroom and kitchen modifications
- Permanent adaptive design
- Home additions or ADUs
Payment and Project Policies
HMLP permits up-front payments for materials only, capped at 30% of total project cost. All other payments are released after construction monitors complete initial and final inspections. Contractors submit detailed invoices, and all change orders must be approved by the homeowner and provider agency.
Compliance, Permits, and Insurance
Reliable Roofing, Siding, and Windows ensures all permits are obtained and all subcontractors meet Massachusetts licensing requirements. Our contractors carry full Workmen’s Compensation, General Liability, and Automobile Liability coverage to protect homeowners throughout the project.
Contract Termination Policies
Homeowners may terminate contracts if work is substandard, non-compliant, or violates contract terms. Contractors may also terminate if project completion becomes infeasible or illegal, after notifying homeowners and proposing feasible solutions.
Learn More and Apply
To apply for HMLP funding or learn more about eligibility, forms, and contractor requirements, visit: https://cedac.org/hmlp/
ADU Consultation and Home Addition Services
Reliable Roofing, Siding, and Windows helps homeowners with ADU builds, home additions, and accessibility upgrades under HMLP. Explore our past projects: In-Law Home Addition, Conventional House Addition, and learn more about ADU compliance here.
Multigenerational Living Solutions
HMLP funding can create safe, comfortable spaces for extended families. Reliable Roofing, Siding, and Windows has completed numerous projects supporting multigenerational living, including custom home additions for growing households.
Frequently Asked Questions
Do I need a licensed contractor for HMLP?
Yes, all HMLP work must be completed by licensed and insured contractors. Reliable Roofing, Siding, and Windows handles all documentation and compliance.
How are payments handled under HMLP?
Up-front payment is allowed for materials only, capped at 30% of total project cost. Remaining payments are made after inspections and project completion.
Can HMLP assist with multigenerational living arrangements?
Yes, HMLP funding can help create safe, comfortable spaces for extended families, enabling multigenerational living.
What inspections are required for HMLP projects?
Construction monitors conduct initial and final inspections to ensure compliance with project scope and safety requirements.
What happens if I want to terminate a contract?
Homeowners can terminate contracts for substandard work, non-compliance, or violation of terms. Contractors may also terminate under specific circumstances with notice.
Where can I find more information about HMLP applications?
Visit the Massachusetts Home Modification Loan Program website: https://cedac.org/hmlp/ for forms, guidance, and FAQs.