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Home Improvement Loan Program

The City offers low interest property improvement loans to homeowners and rental property owners. The loans are at 2% interest for 15 years.

The basic loan qualifications are as follows:

  • Property must be located within the Redwood City limits.
  • For homeowners, household income must not exceed the income limits shown below.
  • For rental property owners, 51% of tenants (households) must be low income as shown in the income guidelines below.

Note - Single family is consider 1 to 4 units and multi-family is considered 5 or more residential units.

Loans are available on a first-come first-serve basis for replacement of roofs, heaters, windows, insulation, energy efficiency improvements as well as many other health and safety items.

Call 650-780-7229 to request an application or ask questions or click on the links below to download an application:

Homeowner Loan Application

Rental Property Owner Application

Income Guidelines
# of Persons 1 2 3 4 5 6
Household Income $62,200 $71,050 $79,950 $88,800 $95,950 $103,050

If you have any questions please call us at 650-780-7229.

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1017 Middlefield Road, Redwood City 94063 | 650-780-7000