Home Modification Loan Program

Home Modification Loan Program

At Access Care Construction, we specialize in accessible home modifications to enhance safety, independence, and comfort. Whether you need ADA-compliant upgrades, wheelchair ramps, or mobility-friendly renovations, our expert team is here to help.

As a state-licensed contractor, we’re proud to offer financing options through the Commonwealth’s Home Modification Loan Program (HMLP)—allowing you to fund your home modifications interest-free!

Home Modification Loan Program (HMLP)

At Access Care Construction, we support the Home Modification Loan Program (HMLP)—a Massachusetts initiative designed to help adults, children with disabilities, and older adults live independently. Since 1999, HMLP has funded over 3,000 home modification projects, enabling homeowners to make essential accessibility improvements and adapt their homes to their evolving needs.

Since 1999, HMLP has been funded

over 3,000 home modification projects Done

Request a free quote

Request a free quote and speak with our experts to make your home safer, more accessible, and comfortable. At Access Care Construction, we’re committed to helping you live independently in a space that meets your mobility needs.

Let us be your trusted partner in home accessibility and handicap-friendly construction.

Program Highlights

Flexible, Interest-Free Financing

At Access Care Construction, we offer 0% interest financing options, making home modifications more affordable and accessible.

Our financing applies to a wide range of modifications, including ramps, lifts, ADA-compliant kitchens and bathrooms, and additional living spaces like in-law apartments and accessory dwelling units, ensuring your home meets your evolving needs.

Flexible Financing for Home Accessibility

At Access Care Construction, we believe everyone deserves a safe and accessible home. Loans are available from $1,000 to $50,000, depending on household size and income, with up to $30,000 for manufactured or mobile homes.

No Monthly Payments – Our Deferred Payment Plan ensures you pay only when the property is sold or transferred.

Why Choose Us

At Access Care Construction, we don’t just build homes—we create safe, accessible, and comfortable living spaces designed to meet your unique mobility needs. Whether you need wheelchair ramps, ADA-compliant kitchens, stair lifts, or full home modifications, we are your trusted partner in making your home work for you.

1-Year Warranty

Quality work backed by a solid guarantee.

Free Estimates

Transparent pricing with no hidden costs.

Multilingual

Spanish, Russian, Portuguese & Arabic.

Same Day Service

Quick response for urgent accessibility needs.