Larimer Home Improvement Program

Larimer Home Improvement Program (LHIP)

“Helping to preserve affordable housing” The Larimer Home Improvement Program is administered by the Loveland Housing Authority and offers low to no interest rate loans to income qualified families looking to repair or improve their homes.  This program is funded mainly with federal, state and county dollars, because of that we are able to offer lower interest rates and more flexible terms then a traditional lender, as well as more relaxed credit requirements. The Maximum loan amount is $24,999 and the interest rate is on a sliding scale from 0% to 2% based upon the families’ income. The loan terms are very flexible we will work with you to come up with an affordable monthly payment up to a 30 year term. LHIP is focused on health, safety, handicap accessibility and energy efficient related issues in your home.  Approved repairs or improvements would be such things as roof replacement or repair, new siding, windows and insulation, room additions in overcrowding situations etc. Please contact the program manager to see if your repairs qualify. Qualified applicants;

Must meet the income requirements.

Own and occupy the home you are requesting repairs for.

Have enough equity in the property to secure the loan.

The Home must be in Larimer County including the City limits of Loveland, Fort Collins, Wellington, and Berthoud as well as all the outlying county areas.  We are also serving the Milliken area.

Applications and Program information

Emergency Grant Assistance Program We also offer an emergency grant assistance program to people that own & occupy their home and make no more than 50% of the area median income, see chart.  No reimbursements to owners are eligible you must apply and work is to be completed by licensed contractors upon approval of the application.  This program can offer funds to people in urgent need situations such as burst pipes, non working hot water heater or furnace and dangerous electrical issues. We do require that if you are asking for assistance to replace a furnace you must first apply with the weatherization program Longs Peak Energy Conservation or the Furnace Replacement Assistance  if you are turned down by them you may then apply with us. The grant assistance cannot exceed $3000 in a lifetime, you will be responsible for any additional costs at the time of service. No assistance can be provided until the application and proper documentation are turned into our office.  Office hours are M-F 8 to 5.

Mobile Home Repair The Larimer Home Improvement Program will assist in the repair of Mobile/Manufacture Homes. The maximum loan amount is $12,000 with an interest rate from 0% to 2% again based upon applicant’s income. This is a new pilot program in conjunction with the State Division of Housing, Fort Collins and Loveland to address repair needs on Mobile/Manufactured homes at a higher level of assistance.  Call 970-635-5931 for information on mobile home repair or email   This program is currently waiting for new funding check back in late fall.  The regular repair program has limited funding available for manufactured housing check with staff for more details.


Contractors- You may use a contractor from our list, or a contractor that you know or was referred to you.  They must have the proper insurance requirements and licenses if the repair you are requesting requires a licenses.  For more information please call.  You will be required to get 3 bids when ever possible.  We recommend if you are using a contractor for the first time that you are unfamiliar with; you get references and check with the BBB.  We are required to check the state and federal d-barred list. If you are a contractor who wishes to be added to our list please provide a resume, detailed information on your area of specialty, and 3 references.  You will be required to provide a certificate of insurance on each job you participate in with a minimum million dollar liability policy, a copy of your business licenses or contractor licenses when applicable.


Disaster Recovery Resources- (9 Million Dollars of Aid)

     Re-building homes in the               High Park fire area

  Glen Haven Bridge Reopening

Funding provided by the Colorado State Division of Housings Community Development Block Grant – Disaster Recovery (CDBG-DR program).  The funding was to assist individuals with their recovery efforts.  We have been able to assist families in the repair, rebuilding, replacement home purchases.  As well as access to their property, by rebuilding private roads and bridges.  Our partnerships with the Long Term Recovery Group, Volunteer Coordination, and Larimer County Infrastructure and Building departments has been invaluable.  2018 will be our year to wrap up the ongoing rebuilds and road and bridge projects which include the Glen Haven Bridge.

Closing Report on DR milestones  please click on this link for a full review of LHA’s Disaster Recovery Projects.

Other resources   Building Department Emergency Permit and Building Permit information  Lead Paint/Asbestos testing and abatement: ,   Larimer County Long Term Recovery WebsiteBuilding permit in a flood plain contact information for the septic repair contact Chris Manley, Larimer County Environmental Health, Estes Park office, 970-577-2051 County Building Permit information: Electric:  call 303-894-2300 in Estes call Dave Cearlock at 855-451-9790 River work:  US Army Corp of Engineers 303-979-4120 Please check with the County Building Department for any work on wells or septic they may require additional permits. Estes Park Building Department 970-577-2100 Fort Collins Building Department 970-498-7700 Loveland Building Department 970-962-2505