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 firstname.lastname@example.org for assistance in locating a Program Participant in your area.
7995 Rutledge Pike Rutledge, TN 37861
|Claiborne, Grainger, Hamblen, Hancock, Hawkins, Jefferson, Knox and Union|
|Chattanooga Neighborhood Enterprise
1500 Chestnut Street, Suite A Chattanooga, TN 37408
|Habitat for Humanity of Greator Memphis
7136 Winchester Road Memphis, TN 38125
|United Housing Inc.
2750 Colony Park Drive Memphis, TN 38118
|Appalachia Service Project
4523 Bristol Highway Johnson City, TN 37601
|Carter, Unicoi and Washington|
|Community Redevelopment Agency of Jackson
111 East Main Street, Suite 201 Jackson, TN 38301
|Loudon County Habitat for Humanity
238 Highway 70 W Lenior City, TN 37243
|Frayser Community Development Corporation
3684 North Watkins Memphis, TN 38127
|Shelby (Frayser Community Only)|
|HomeSource east tennessee
109 N Winona St. Knoxville, TN 37917
|Eastern Eight Community Development Corporation
214 East Watauga Avenue Johnson City, TN 37601
|Carter, Greene, Hancock, Hawkins, Johnson, Sullivan, Wahington and Unicoi|
|Northwest Tennessee Development District
124 Weldon Drive Martin, TN 38237
|Benton, Carol, Dyer, Henry, Gibson, Lake, Obion and Weakley|