Home Exterior Loan Program (HELP)

926 27th Street Before-After
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About the Program


The HELP program gives home repair loans to homeowners to preserve and enhance existing homes in Ogden's vintage neighborhoods.

Download Application here: HELP Packet and Application (PDF). Apply online and upload application and other documents: Click Here

Loans may fund the following exterior improvements and some interior code upgrades. Some examples of home improvements are as follows.

Exterior Improvements


  • Driveway
  • Fencing
  • Painting
  • Porch Repair
  • Roofing
  • Sprinklers
  • Windows and Doors
Along with other approved exterior items.

Interior Upgrades


  • Electrical
  • Fire Detection Equipment
  • Furnace and Air Conditioning
  • Plumbing
  • Sewer
  • Water Heater

 Along with other approved interior items.

Loan & Construction Process


  • Homeowner fills out and reviews the HELP Packet and Application (PDF). Apply online and upload application and other documents: Click Here
  • Ogden City staff reviews that application package.
  • Homeowner signs loan documents and construction contract.
  • Contractor completes work, with the supervision of the homeowner and Ogden City staff.

Loan Terms


  • Maximum Loan Amount - Based on eligible scope of work, available equity and ability to pay.
  • Loan Term - Up to 15 years.
  • Interest Rate - 3% for ten-year loans, 4% for fifteen-year loans.
  • Minimum Payment - $50 per month.