Oakland County Homeowners Could Qualify for a Home Improvement Loan

Qualified homeowners may receive interest-free loans of up to $23,000 to make needed home repairs, including barrier free access and energy saving upgrades.

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The Home Improvement Program is not an emergency repair program.

Oakland County is no longer accepting Home Improvement applications for the City of Pontiac as of 02/01/2025. Please contact the City of Pontiac at (248) 758-3000.

There are no monthly payments and the total loan is due and payable only when you no longer live in your home.

Oakland County staff is with you all the way from helping you apply for the loan to overseeing all repair work and paying pre-screened contractors.

To qualify, you must meet income limits

Own and live in your own home in Oakland County (the City of Lake Angelus, Novi Township, Pontiac, Southfield Township, Waterford Township and Village of Bingham Farms 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.” Based on home improvement needs, financial situation and availability of funds at the time of application, eligible improvements may include:

Have needed improvements that are eligible under the program
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