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 You can borrow between $5,000 and $20,000 to build a chef’s kitchen, put in a spa bathroom, update outdated windows, upgrade with new mechanical systems–whatever your home deserves and you desire.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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