Healthy Neighborhoods Home Renovation Loan

At a Glance
Loan for home renovation
Who's Eligible?
Baltimore City homeowners who meet program requirements
To Get Started:
Confirm personal and property eligibility requirements and contact Healthy Neighborhoods to begin the application process

Healthy Neighborhoods offers a loan to help you renovate your home in “Healthy Neighborhoods.” You can borrow between $5,000 and $20,000 to build a chef’s kitchen, put in a spa bathroom, update outdated windows, upgrade with new mechanical systems–whatever your home deserves and you desire. Designated “Healthy Neighborhoods” include: Abell, Arcadia, Baltimore Highlands, Barclay, Barre Circle, Belair-Edison,  Better Waverly, Beverly Hills, Charles North, Charles Village, Coldstream Homestead Montebello, Edmonson Village, Ednor Gardens-Lakeside, Garwyn Oaks, Glen, Greater Mondawmin, Highlandtown, Greektown, Greenmount West, Hamilton Hills, Hanlon-Longwood, Harwood, Howard Park, Lauraville, Madison Park, Moravia-Walther, Morgan Park, Mid-Town Belvedere, Mount Vernon, Old Goucher, Patterson Park, Patterson Place, Remington, Reservoir Hill, Seton Hill, Union Square, Waltherson, Washington Village/Pigtown, and Waverly.


This program allows you to borrow money to renovate your home.


  • You must live in this home as your primary residence.
  • The property can have up to 4 zoned residential units.
  • You may not own residential rental property.
  • You may not have previously funds from Healthy Neighborhoods Loan Pools on this or other properties.
  • Loan amounts vary from $5,000 – $20,000, maximum aggregate loan amounts secured by the property shall not exceed 105% of after-renovation value.
  • Minimum score of 700 is required.
  • The property must be within the boundaries of a Healthy Neighborhood.
  • The loan will be used for home renovations, including visible exterior home renovations.
  • Homebuyer must use Healthy Neighborhoods approved lender M&T Bank.
  • The loan interest rate will be prime minus 1%, but in no event less than 4%.
  • The construction terms with be 6 or 12 months or longer if mutually agreeable to M&T Bank and the borrower, the maximum permanent term will be 10 years.
  • Healthy Neighborhoods will approve all contractor construction contracts and monitor rehab work.
  • No owner financial investment is required.

Program Terms & Conditions


Healthy Neighborhoods
Rahn Barnes
(410) 332-0387 x1005

We're here to help.

Have more questions about this or other Baltimore City homeownership incentives? We're here to help! Send us an email or give us a call at (410) 637-3750. A Live Baltimore team member can walk you through your options.
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