Home Improvement Loan Application

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, 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

Home Improvement Loan Application

Contractor Opportunities

Apply to Become a Participating Contractor

Join the team working with clients under the Home Improvement Program. Qualified Contractors can bid on projects. You carry out needed home repairs while Oakland County qualifies homeowners, prepares work specifications and contracts, and ensures regular payments.

Contractor-Specific Information for Home Improvement Program

Please click on the link above to complete the following items:

• Home Improvement Program - Contractor Application
• Home Improvement Program - Contractor Registration Packet
• Home Improvement Program - Contractor Debarment-Suspension