Special Program for disabled homeowners. No minimum credit score, no income limits (minimum or maximum), and no minimum asset or home equity required.

Loan Products & Rates*

Loan Amount$1,000-
$25,000
Interest Rate5.5-8%Fixed
Terms5-7yrs

Fees apply depending on improvement. Origination Fee: 2.5% and 1.25% for military discounts + Project Management Fee: 2.75%. Offered in partnership with the Florida Alliance of Assistive Services and Technologies (FAAST) and U.S. CDFI Fund/Disability Program.

Eligibility

  • Homeowner must be primary applicant
  • Proof of income
  • Reasonable credit history
  • Sufficient disposable income to repay loan
  • No minimum credit score
  • No income limits

Eligible improvements include high-efficiency A/Cs, disability products and home adaptations (e.g., wheelchair ramps and walk-in showers), and assistive services and technologies.

Make your home safer and more comfortable with a HALO Loan from SELF!

Project Management: From Start to Finish

SELF also provides project management from start to finish, including: pre-screening all contractors to verify applicable licenses, insurance and a good track record; reviewing quotes to prevent price-gouging; and, coordinating with local building officials and homeowners before making final payment to the contractors.

Frequently Asked Questions

  • Proof of home ownership
  • Proof of income
  • Property taxes must be current
  • Ability to repay the loan
  • Mortgage paid on time in the past 90 days
  • Current on all local property taxes
  • No minimum income required
  • No minimum credit score required

You may be required to add a co-signer and/or you may need to provide a small cash guarantee

Yes. SELF can supplement any grant funds by providing a loan for the homeowner to be able to complete a project. For example: A client needs $7,000 for a roof repair and is granted $3,000 from SHIP funds for home repair. The client can be referred to SELF for a $4,000 loan to supplement the SHIP grant. If the client is approved, they will be able to complete the entire project and only pay principal and interest on the amount financed by SELF.