Home Exterior Loan Program (HELP)

926 27th Street Before-After

About the Program

The HELP program gives home repair loans to homeowners to preserve and enhance existing homes in Ogden's vintage neighborhoods.
HELP Packet and Application (PDF).
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).
  • 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.