Program Summary

MaineHousing offers low-interest home-repair loans and home-replacement mortgages to homeowners whose homes have been damaged or destroyed in a declared natural disaster.

  • Home repair loans: Eligible homeowners may borrow funds for disaster-related home repairs. Loans are typically offered at low interest rates no payments due and no interest accrual for the first 12 months.
  • Home replacement mortgages: For home replacements, interest rates and terms are typically the same as MaineHousing's First Home program, except of course that you do not need to be a first-time homebuyer.


Am I Eligible

You may be eligible for a home repair loan if:

  • You are a homeowner whose primary residence was damaged in an eligible disaster event. Currently there are no active eligible events or areas.
  • Your home is a 1- to 4-unit building, a condominium, or a mobile home located on owned land. (If your mobile home is not permanently attached, part of the repair loan must be used to attach it.)
  • Your household income is within specified limits.

You may be reimbursed for repairs already completed, provided that you can document that the repairs were necessary for health and safety reasons.

You must agree to use any insurance payment or disaster assistance received for the eligible disaster related home repairs to repay your MaineHousing home repair loan.

You may be eligible for a home replacement mortgage if:

  • You are a homeowner whose primary residence was damaged beyond repair in an eligible disaster event. Currently, there are no active eligible events or areas.
  • Your household income does not exceed household income limits,
  • You and the replacement home meet the eligibility and underwriting guidelines of MaineHousing’s First Home Program except, of course, that you do not need to be a first-time homebuyer.

In the case of a flood, you may not be allowed to use MaineHousing financing to rebuild your primary residence in the same location/site where the flooding occurred.



More Info

You should be prepared to provide photographs of  the eligible disaster related damage and written professional estimates of home repair or replacement costs from qualified contractors.

We urge homeowners to report storm damage by calling 211. 211 may have knowledge of additional community resources.

For more information please contact:

Homeownership Department

Email Me

(207) 626-4663



Additional Resources

Contact Us

353 Water Street  •  Augusta, ME 04330
(800) 452-4668  •  (207) 626-4600
Fax (207) 626-4678  •  Maine Relay 711
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