Housing Loan Programs

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Home Improvement Loan Program

The City offers low interest property improvement loans to Redwood City homeowners and owners of rental property located in Redwood City. Typical loans terms are at 3% 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 considered 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 other health and safety items.

Call 650-780-7291 to request an application or ask questions or click on the links below to download an application.

Homeowner Loan Application (1-4 units)

Multifamily/Rental Property Owner Application (5 or more units)

2019 Income Guidelines (Effective June 3, 2019

Number of Persons in Household 
Maximum Household Income  $90,450  $103,350 $116,250  $129,150  $139,500  $149,850