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.  Click here for a program info sheetNo 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/Energy Resource Center program 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.  Not all furnace replacement projects will qualify for this program and may be required to go through the repair loan program.

Mobile Home Repair The Larimer Home Improvement Program will assist in the repair of Mobile/Manufacture Homes even those homes in a park. The maximum loan amount is $12,000 with an interest rate from 0% to 2% based upon applicant’s income. The first year pilot program in conjunction with the State Division of Housing, the City of Fort Collins and the City of Loveland was a success; so the funders have elected to continue the program in 2019.  The program provides funding for repair needs on Mobile/Manufactured homes at a higher level of assistance than allowed in the past.  Call our main number 970-667-3232 or 970-635-5931 for information or an application for the mobile home repair program or you may email    

Contractors and Contractor Selection 

You the home owner 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, please remember that you can only select builder or mid grade materials.  We recommend if you are using a contractor for the first time that you are unfamiliar with; you get references and check with the resources such as the BBB and Larimer County.  You the home owner and your chosen contractor will be required to sign a contract so please take all step you believe are necessary to ensure you have selected the proper contractor.   We are required to check the state and federal debarred list if the contractor is listed as debarred they can not be selected.

If you are a contractor who wishes to be added to our list please fill out the request to be a vendor 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 Efforts for the 2012 wild fires and 2013 floods

     Re-building homes in the               High Park fire area

  Glen Haven Bridge Reopening









Closing Report on DR milestones  please click on this link for a full review of LHA’s Disaster Recovery Projects.  This 5 year undertaking that the Larimer Home Improvement Program has joined to help our state recovery, after the devastating floods and fires has come to a close this year.  The Loveland Housing Authority and Larimer Home Improvement Program were honored to have been able to be apart of our states recovery efforts.

Local Building Departments;  Estes Park Building Department 970-577-2100 Fort Collins Building Department 970-498-7700 Loveland Building Department 970-962-2505