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 0-2% 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 low interest rates and more flexible terms then a traditional lender, as well as more relaxed credit requirements. The maximum loan amount is $24,999 on a single family owner occupied home 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 with  maximum term of 30 years. LHIP is focused on health, safety, handicap accessibility and energy efficient related issues in your home.  Approved repairs or improvements would be things such 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.

Must own and occupy the home you are requesting repairs for.

Must 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.

Applications and Program information 

Emergency Grant Assistance Program  We also offer an emergency grant assistance program to people that own and occupy their home and make no more than 50% of the area median income.  Click here for a program info sheetNo reimbursements to owners.  We are unable provide reimbursements to owners for work that has already been completed. To see if you are eligible you must apply. Once the application is approved, work is to be completed by licensed contractors chosen by the Loveland Housing Authority. This program can offer funds to people in urgent need situations such as burst pipes, non working hot water heaters or furnaces and dangerous electrical issues. We do require that if you are asking for assistance to replace a furnace, that you 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 emergency assistance grant cannot exceed $3,000 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 in to 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 Larimer Home Improvement Program (LHIP).

Mobile Home Repair The Larimer Home Improvement Program will assist in the repair of Mobile/Manufactured 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. 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 to obtain an application for the mobile home repair program. You may also email Linda Wright at    

Contractors and Contractor Selection 

You the home owner may use a contractor from our list, a contractor that you know, or one that was referred to you.  They must have the proper insurance requirements and licenses if the repair you are requesting requires a license.  For more information please call 970-667-3232 or 970-635-5931.  You will be required to get 3 bids whenever possible. Please remember that you can only select builder grade or mid-grade materials.  If you are using a contractor for the first time, or one that you are unfamiliar with, we recommend that you get references and check with resources such as the BBB and Larimer County.  You, the home owner, and your chosen contractor, will be required to sign a contract. Please take all steps you believe are necessary to ensure you have selected the proper contractor for your job.  We are required to check the state and federal debarment list. If the contractor you have chosen is listed as debarred they may not be used on your project.

If you are a contractor who wishes to be added to our list, please fill out the request to be a vendor. Submit the request with 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 on which you participate, with a minimum of a $1,000,000/$300,000 liability and a copy of your business license or contractor license when applicable.


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