Home Preservation and Improvement

Roof with materials

Boise's home improvement loan program helps income-qualified homeowners make necessary repairs to bring their home up to code and make it a safe, decent, and sanitary place to live.

Loans are available for energy and accessibility improvements, as well as general housing repairs.

Home Improvement Examples

  • New HVAC system
  • New windows, doors and insulation
  • New roof
  • Accessibility upgrades

Apply for a Loan

Loan Process

  1. Get qualified
    Check your pre-qualification criteria | Pre-qualify
  2. Submit application
    English | Spanish (pdf) or Multi-family application (pdf)
  3. Eligibility Review
    Applications are reviewed for program guidelines
  4. Property interview
    Review property for environmental concerns
  5. Loan approved
    After previous steps are completed and approved, the loan moves forward
  6. Contractor selection
    Scope of work is sent to contractors for bidding
  7. Home improvement begins
    Work begins on the property

Qualification Criteria

  • Credit score above 620
  • Home requires improvements
  • Have equity in home
  • 80% or less of area median income
  • Home is located in Boise City limits
  • 3 years post bankruptcy/ foreclosure/ short sale
  • Debt cannot exceed 50% of income

Loan Terms

  • Estimated Annual Percentage Rate (APR) is 3%.
  • Minimum loan amounts are $1000; maximum loan amounts are $60,000--based on equity in the home.
  • Limited funds available for non-owner occupied improvements through this program.
  • Terms are generally one year per $1000 borrowed; however, the city will work to find terms that may be agreeable to ensure completion of the project without causing financial distress.

City of Boise Loan Payments

Pay in Person

Boise City Hall
150 N. Capitol Blvd. - 2nd Floor

Get Directions
Over the Phone

Call (208) 570-6846 to pay with a debit or credit card.

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By Mail

Send your payment to:

Housing and Community Development
P.O. Box 500
Boise, ID 83701-0500

Automatic Withrawal

Sign up for automatic withdrawal.

Sign Up (PDF)

Document Translation

Any document on Housing and Community Development's website can be translated into other languages upon request.

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Thank you for your interest in the City of Boise's Housing and Loans program. Please use the form below to contact a member of our team.