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Home Improvement Loans

Oakland County Program:

Need help making home improvements or repairs?

The City of Berkley and Oakland County Community and Home Improvement Division are partnering to offer loans up to $18,000 for qualifying residents. Eligibility depends on household size and income

Loan options include:

  • a deferred loan with 0 percent interest

Visit the Oakland County Home Improvement Division or call the Loan Application Hotline at 248-858-5401.

If you have any questions please call 248-858-0493 or 888-350-0900 x80493.

 Typical Repairs
barrier free access bathrooms chimneys
doors doors electrical work
heating insulation kitchens
masonry plumbing porches
roofs sidewalks siding
structural defects water & sewer repair windows

All qualified residents are encouraged to take advantage of this innovative program.

State of Michigan Program:

 The Michigan State Housing Development Authority (MSHDA) offers low-cost loans for home improvements.

 Income eligible homeowners with no equity may borrow up to $25,000 from the Michigan State Housing Development Authority (MSHDA) to make energy-efficiency improvements to their home.  With equity, homeowners can borrow up to $50,000.

 Making simple improvements like increasing insulation or replacing an inefficient furnace or old windows can reduce your energy costs.

 Visit and click on Home Improvement to see the full list of eligible home improvement projects and learn more about the free application process, or call 517-373-8017, or (TTY) 1-800-382-4568.