Home Improvement Loan Program

The Fairfax County Redevelopment and Housing Authority’s Home Improvement Loan Program (HILP) assists Fairfax County homeowners in making improvements to their homes. Homeowners are provided technical assistance in determining what improvements need to be made and financial assistance to pay for these improvements through low interest loans.

TYPES OF HOME IMPROVEMENTS

Correction of health and safety code violation items
Improvements which will increase energy efficiency
Replacement items, which will reduce the need for continuous maintenance
General improvements, which will enhance the overall appearance and livability of the house such as: hook-ups to County sewer or water, installing siding, replacing a roof, etc.

If you qualify for this program, the HILP Rehabilitation Specialist and Loan Officer can assist you to:

Determine your eligibility for a low interest loan
Determine what work needs to be done on your home
Prepare work write-ups and specifications
Select a licensed contractor or plan your own work

A Rehabilitation Specialist will make periodic inspections on the progress of the project until work has been completed.

IMPORTANT: Before construction begins on any improvements for the home, you, the homeowner, will enter into a written agreement with the contractor(s) you select. You are responsible for enforcing the terms of the contract. Neither Fairfax County nor the FCRHA bears any responsibility or liability for defects on the work or the performance of the contractor(s) hired. Your Rehabilitation Specialist provides assistance in an advisory capacity only.

QUALIFICATIONS

HILP applicants must:

Be the owner(s) of the property and reside in the property, which must be located within Fairfax County (including the Towns of Clifton, Herndon and Vienna) and the City of Fairfax.
Have a household income, which falls below the Fairfax County median income for family size.

HOUSEHOLD SIZE	MAXIMUM INCOME
1 Person	$52,920
2 Persons	$60,480
3 Persons	$68,040
4 Persons	$75,600

PLEASE NOTE: 2% loan origination fee (included in loan)

Instructions for Application (PDF)

HILP Loan Application (PDF)

How the HILP Loan is Calculated (PDF)

Verification of Mortgage or Deed of Trust (PDF)

Disclosure of Information of Lead (PDF)

Equal Credit Opportunity Act Statement (PDF)

If you should have any questions, please call 703-246-5155 (TTY: 703-385-3578).

This information will be provided in an alternative format to persons with disabilities at no charge upon request. Please allow seven working days for preparation of materials.