Need Help Covering the Cost of Home Repairs?
We Can Help.

Through our Home Repair Program, Cornerstone Housing Partners offers affordable loans to income-eligible Vermont homeowners who need to make critical health, safety, or energy efficiency improvements to their homes.

Whether you’re dealing with an aging roof, outdated wiring, plumbing concerns, or need to build a wheelchair ramp, our Home Repair Program can help you finance the work—so you can stay safe, warm, and secure at home.

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Loan Details

Loan terms are based on income, with low interest rates determined by your household’s Area Median Income (AMI):

• 1% interest rate, APR 1.000%
  • Rate available to customers with annual income below 50% AMI
• 3% interest rate, APR 3.000%
  • Rate available to customers with annual income of 51% to 80% AMI
• 5.25% interest rate, APR 5.251%
  • Rate available to customers with annual income 81% to 120% AMI

Please note: Interest rates and terms are subject to change and are not guaranteed.

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Common Eligible Projects:

• Accessibility Upgrades – Need help making your home or bathroom more accessible for yourself or a family member?
• Outdated Wiring – Still have knob-and-tube or other outdated electrical systems?
• Structural Repairs – Facing issues like a crumbling foundation, unsafe stairs, or other structural damage?
• Roof Leaks or Replacement – Dealing with leaks or a roof that’s past its lifespan?
• Weatherization – Struggling with drafty rooms, cold winters, or high heating bills?
• Heating System Upgrades – Ready to replace an old heating system or oil tank with something more efficient?
• Septic or Well Issues – Need to replace or repair your septic or well system?

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Get Started

We’re here to answer your questions and help you get started with a loan that works for your needs.

📞 Call us at 802-438-2303
📧 Or email us at info@nwwvt.org

Learn More: Home Repair Program