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Larimer Home Ownership Program

Prepared by:

Mari Takeshita @ Cherry Creek Properties 303.941.6274

Sharon Campbell @ Guild Mortgage Company at 720-746-4072


Larimer Home Improvement Program (Lahip)

Helping to preserve affordable housing

The Larimer Home Improvement Program is administered by the Housing Authority of the City of Loveland and offers low to no interest rate loans to income qualified families looking to repair or improve their homes. See chart for income qualifications.
This program is funded mainly with federal, state and county dollars. Because of that we are able to offer lower interest rates and more flexible terms then a traditional lender, as well as more relaxed credit requirements. The Maximum loan amount is $24,999 and the interest rate varies from 0% to 5% based upon the families’ income. The loan terms are very flexible we will work with you to come up with an affordable monthly payment.

The Larimer Home Improvement Program is concerned with Health and Safety related issues in your home. Approved repairs or improvements would be such things as roof replacement or repair, new siding, windows and insulation for more energy efficiency, room additions in overcrowding situations etc. Please contact the program manager to see if your repairs qualify.

Qualified applicants must meet the income requirements, own and occupy the home you are requesting repairs for; and have enough equity in the property to secure the loan. Your home must be in Larimer County including the City limits of Loveland, Fort Collins, Wellington, and Berthoud as well as all the out lying county areas.
We also offer an emergency grant assistance program to people that own & occupy their home and make no more than 50% of the area median income, see chart. This program can offer funds to people in urgent need situations such as burst pipes, shot water heater or furnace. We do require that if you are asking for assistance to replace a furnace you must first apply with the weatherization program (Longs Peak Energy
Conservation ) if you are turned down by them you may then apply with us. These grants can not exceed $1,000, unless special circumstances are approved by the program manager. You are only eligible to receive emergency funds assistance one time.
The Larimer Home Improvement Program will assist in the repair of Mobile Home but on a much smaller scale. The maximum loan amount is $3,000 with an interest rate from 0% to 5% again based upon applicants income.
The application process is very simple you can down load the application from the website link to applicaton, or call 970-635-5931 to have one mailed, faxed or email to you. Fill out the application and provide; proof of income, and family size. Mail it to: 375 W. 37 th Street, Suite 200