Installing a wheelchair ramp in your home can be a bit daunting, both logistically and financially, but Advantage Ramps can help you make this process easier. If you’re looking to live more independently at home, there are plenty of opportunities available to best support you. One program that is invaluable for those who need accessibility options is the Massachusetts Home Modification Loan program. This program provides NO interest loans to modify the homes of adults and children with mobility issues and disabilities.
Understanding the Massachusetts Home Modification Loan Program
The Massachusetts Home Modification Loan program, or HMLP for short, is an innovative program that offers loans to help people with disabilities as well as the elderly, modify their homes in order to be more accessible. Developed in 2000 by the Massachusetts Rehabilitation Commission, HMLP offers 0% interest and deferred payment loans up to $50,000 to homeowners to make homes more accessible. These loans do not require monthly payments and when you sell your home, your loan will be repaid. While HMLP does help finance the cost of accessibility renovations, it is important to note that it does not reimburse for construction already completed.
These home modifications include wheelchair ramps or lifts and bathroom adaptations, like walk-in showers. Applicants can also get help with fencing around their home, safety windows, sensory integration rooms or additional living spaces, like in-law apartments. You might also consider using this loan program for help with hardwired alarm systems, or widening doorways and hallways for better accessibility. Anything that has to do with safety and accessibility is typically covered.
Check out this great video overviewing the Home Modification Loan Program
Navigating the Application Process for HMLP
First, you will need to complete the application for this program. A documentation of need form should be completed by a professional, like a primary care physician or case manager, in order to determine program eligibility.
Advantage ramps can send you an application and an application guide regarding this program. Please reach out to our office at 508-625-8700 or fill in the contact us form and request it.
Partnering with the right Contractor
After you are determined to be eligible for HMLP, you will then be required to find a qualified contractor to complete the work you need done. Although HMLP will help with the financial side of things, you are responsible for finding, hiring, and managing the contractors yourself. It is important to use a company experienced with this program that is qualified to evaluate your home and your specific needs. This company should have a licensed construction supervisor on staff and should be able to provide and install the necessary equipment and perform the necessary modifications that are required to make your home accessible. This contractor should be familiar with the “Bid Scope” process that HMLP requires as it is an important step in getting your loan.
Dan Martin, owner of Advantage Ramps and Affordable walk-in Showers is a long standing preferred contractor that has helped many customers over the past years navigate through the HMLP process and create meaningful home modifications and wheelchair ramp access through the Massachusetts HMLP, so don’t hesitate to reach out with any questions.
The Transformative Power of Home Modifications
Through the collaborative efforts of solid partnerships with capable wheelchair ramp and home modification companies, like Advantage Ramps, you can live a more independent life in the comfort of your own home. If you take advantage of HMLP, you will be able to make your house a more accessible place to best suit your needs. Programs like this can truly transform lives. People with disabilities or the elderly don’t have to stress about accessibility concerns and can instead focus on living comfortably in their homes. For more information about how Advantage Ramps can help you with HMLP and other accessibility assistance, please get in touch today!
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