Home Improvement Program

Loans to help homeowners repair and improve their homes to maintain value, add value, or make a home safer and more accessible. Some eligible uses include:


  • HVAC

  • Roof

  • Replacing doors/windows

  • Structural repairs

  • Accessibility features

Eligibility & Requirements

  • Loan Amount from $5,000-$35,000

  • Income up to 120% of the Area Median Income

  • Loan terms (180-month term), up to 120% AMI: 5% fixed

  • Owner occupied properties located in Tennessee

Additional Requirements

  • One estimate is required for repairs under $10,000

  • Two estimates are needed for repairs over $10,000

  • Completion of Post-Purchase Education through eHome America


Candice Winburn

[email protected]