The Tennessee Repair Loan Program (TRLP) will help sustain homeownership across the state. The Program Goal is to help provide safe and sound housing to households of low income, veterans, seniors and homeowners with special needs through loans for repairs or improvements.
Who is eligible to apply?
A resident owner of a 1-4 unit stick-built or manufactured home (single or double-wide) that requires repairs or modifications. The applicant must have owned and occupied the property for a minimum of 5 years.
Ineligible Property Types:
Commercial properties, multifamily properties, and properties listed on a state or national historic register.
Terms of the Loans:
- Loan Amount up to $25,000
- 0% Interest Rate
- No Monthly Payment
- 5 – Year Loan Term (forgivable 20% per year)
- No Prepayment Penalty
- Post-Purchase Homebuyer Education required
How do I apply for a loan?
In order to apply for a TRLP loan you must contact an approved TRLP Program Participant. The Program Participant will determine if you meet the basic loan qualifications and if your repairs or improvements fall within THDA’s approved activities.
How do I locate a Program Participant in my area?
Below are the approved agencies for the State. If your county does not appear in the list, please email sfspask@thda.org for assistance in locating a Program Participant in your area.
| Agency | Counties Served |
| Clinch Powell 7995 Rutledge Pike, Rutledge, TN 37861 (865) 828-5927 | Claiborne, Grainger, Hamblen, Hancock, Hawkins, Jefferson, Knox, Union |
| Chattanooga Neighborhood Enterprise 1500 Chestnut Street, Suite A, Chattanooga, TN 37408 (423) 756-6201 | Hamilton |
| Habitat for Humanity of Greater Memphis 7136 Winchester Road, Memphis, TN 38125 (901) 761-4771 | Shelby |
| United Housing Inc. 2750 Colony Park Drive, Memphis, TN 38118 (901) 272-1122 | Shelby |
| Appalachia Service Project 4523 Bristol Highway Johnson City, TN 37601 (423) 854-8800 | Washington, Carter, Unicoi |
| Community Redevelopment Agency of Jackson 111 East Main Street, Suite 201 Jackson, TN 38301 (731) 984-2160 | Madison |
| Southeast Tennessee Development P.O. Box 4757 Chattanooga, TN 37405 (423) 266-5781 | Hamilton, Marion, Grundy, Sequatchie, Bledsoe, Polk, Rhea, Meigs, McMinn, Bradley, Dade, Walker, Catoosa |
| Frayser Community Development Corporation 3684 North Watkins, Memphis, TN 38127 (901) 354-9401 | Shelby (Frayser Community Only) |
| Eastern Eight Community Development Corporation 214 East Watauga Avenue Johnson City, TN 37601 (423) 232-2042 | Carter, Greene, Hancock, Hawkins, Johnson, Sullivan, Washington, Unicoi |
| Northwest Tennessee Development District 124 Weldon Drive Martin, TN 38237 (731) 587-4213 | Benton, Carol, Crockett, Dyer, Henry, Gibson, Lake, Obion, Weakley |
| The Housing Fund 305 11th Ave S, Nashville, TN 37203 (615) 780-7000 | Davidson, Montgomery, Maury, Cheatham, Dickson, Robertson, Rutherford, Sumner, Wilson |
| Rutherford County Habitat for Humanity 850 Mercury Blvd Murfreesboro, TN 37130 (615) 890-5877 | Rutherford |
| South Central Tennessee Development District 101 Sam Watkins Blvd. Mt. Pleasant, TN 38474 (931)379-2931 | Perry, Wayne, Hickman, Lewis, Lawrence, Maury, Giles, Marshall, Bedford, Moore, Lincoln, Coffee, Franklin |
