Home Exterior Loan Program (HELP)

926 27th Street Before-After
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The HELP Program is not currently accepting applications. Please check back in the spring for our budget renewal!

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.
  • Ogden City pays contractor on behalf of Homeowner

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.


Email: HELPLoans@ogdencity.com
Office: 801-629-8940