- Provider - Home Modification Loan Program -Southeastern MA/Cape/Islands (SMOC)

Address: (See Map)

P.O. Box 309
Buzzards Bay, MA 02532

Contact Information:

Website: Click Here to Visit Our Website
Email: aallen@smoc.org


The state-funded Home Modification Loan Program provides loans to make modifications to the primary, permanent residence of elders, adults with disabilities, and families with children with disabilities.

Based on the income guidelines, from $1,000 up to $30,000 (inclusive of all costs) may be borrowed in either a deferred payment loan (DPL) or an amortized loan, which is secured by a promissory note and a mortgage lien, except in cases of loans that are under $2,500 which are only secured by the promissory note. An HMLP loan may be obtained only one time per property.

Homeowners eligible for a 0% deferred payment loan will not have to repay the loan until the property is sold or has its title transferred. The 0% and 3% amortizing loans must be repaid in 5 to 15 years, depending on the amount of the loan, and require monthly payment schedules.

Updated 7/2018

Organization Contacts

Amy Allen
Phone: (508) 202-5919
Email: aallen@smoc.org

Hours of Operation

  • Monday: 9:00 AM-5:00 PM
  • Tuesday: 9:00 AM-5:00 PM
  • Wednesday: 9:00 AM-5:00 PM
  • Thursday: 9:00 AM-5:00 PM
  • Friday: 9:00 AM-5:00 PM


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Last Update Date: 08/03/2018

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