Tennessee Repair Loan Program

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?

Email SFSPask@THDA.org to locate a Program Participant in your area.