New Jersey Home Energy Solutions

Incentives & Financing

FHA Title-One Home Improvement Loan

Through the FHA Title-One Home Improvement Loan program, HUD insures a Certified Lender to finance eligible borrowers with its own funds.

There is no equity requirement, and no appraisal is necessary. This allows super-fast financing to get your project rolling.

The FHA Title-One Home Improvement Loan program offers many benefits not available through traditional financing options.

  • Loan decisions within 24-48 hours
  • No equity required
  • No appraisal necessary
  • Obtain up to $25,000 for a single-family home or up to $12,000 per unit (max $60,000) for a multi-family property
  • Low fixed rates
  • Flexible payment terms of up to twenty years with no prepayment penalties
  • Interest may be tax-deductible*

Q. How do we know we qualify?

A. Contact NJHES and we will guide you through the easy process of qualification.


Q. How much can we borrow?

A. Up to $25,000 for a single-family home or up to $12,000 per unit (up to $60,000 for a five-unit property).


Q. Is this loan tax deductible?

A. Interest may be tax-deductible (consult your tax advisor*).


Q. Must the work be completed before we get the loan?

A. No. You get all your money before you start the work.